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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 | $48,772 | $85,766-43.1% | $136,297-64.2% | $70,124-30.4% |
| Participation rate | 95.2% | 74.2%+21.1pp | 81.9%+13.3pp | 69.5%+25.7pp |
| Annual return | 15.81% | 31.45%-15.6pp | 5156.19%-5140.4pp | 73.14%-57.3pp |
| Employer contribution / active EE | $1,881 | $2,966-36.6% | $4,696-59.9% | $2,342-19.7% |
| Participant deferral / active EE | $2,957 | $5,051-41.5% | $6,247-52.7% | $3,332-11.3% |
| Admin fee / account holder | $343 | $5,420-93.7% | $9,244-96.3% | $4,645-92.6% |