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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 | $41,839 | $75,183-44.4% | $123,894-66.2% | $55,167-24.2% |
| Participation rate | 99.2% | 72.8%+26.3pp | 81.4%+17.7pp | 69.0%+30.2pp |
| Annual return | 11.30% | 19.01%-7.7pp | 47.52%-36.2pp | 169.23%-157.9pp |
| Employer contribution / active EE | $4,552 | $2,823+61.2% | $4,617-1.4% | $1,963+132.0% |
| Participant deferral / active EE | $3,520 | $5,084-30.8% | $5,984-41.2% | $3,054+15.3% |
| Admin fee / account holder | $1,602 | $663+141.8% | $8,357-80.8% | $504+217.9% |