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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,408 | $72,486-45.6% | $87,103-54.8% | $72,976-46.0% |
| Participation rate | 96.7% | 72.8%+23.9pp | 76.9%+19.8pp | 69.5%+27.2pp |
| Annual return | 57.84% | 24.46%+33.4pp | 28.19%+29.6pp | 81.02%-23.2pp |
| Employer contribution / active EE | $1,595 | $1,894-15.8% | $2,521-36.8% | $2,440-34.7% |
| Participant deferral / active EE | $1,711 | $3,270-47.7% | $4,049-57.7% | $3,608-52.6% |
| Admin fee / account holder | $685 | $5,055-86.5% | $7,491-90.9% | $5,124-86.6% |