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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 | $37,751 | $65,361-42.2% | $92,903-59.4% | $72,983-48.3% |
| Participation rate | 96.0% | 68.3%+27.7pp | 76.0%+20.0pp | 69.5%+26.5pp |
| Annual return | 19.64% | 42.11%-22.5pp | 109.43%-89.8pp | 81.01%-61.4pp |
| Employer contribution / active EE | $1,437 | $2,594-44.6% | $3,653-60.7% | $2,440-41.1% |
| Participant deferral / active EE | $1,864 | $3,128-40.4% | $4,238-56.0% | $3,608-48.3% |
| Admin fee / account holder | $454 | $4,251-89.3% | $5,795-92.2% | $5,124-91.1% |