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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 | $39,634 | $83,337-52.4% | $67,834-41.6% | $273,972-85.5% |
| Participation rate | 95.5% | 76.4%+19.0pp | 68.8%+26.7pp | 83.0%+12.4pp |
| Annual return | 5.36% | 259.45%-254.1pp | 138.47%-133.1pp | 41.46%-36.1pp |
| Employer contribution / active EE | $3,505 | $3,287+6.6% | $2,403+45.8% | $4,869-28.0% |
| Participant deferral / active EE | $3,614 | $4,088-11.6% | $3,160+14.4% | $5,287-31.7% |
| Admin fee / account holder | $464 | $6,752-93.1% | $4,622-90.0% | $10,133-95.4% |