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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 | $28,768 | $77,638-62.9% | $156,551-81.6% | $62,881-54.3% |
| Participation rate | 97.1% | 71.2%+25.9pp | 84.0%+13.1pp | 69.3%+27.8pp |
| Annual return | 7.33% | 50.33%-43.0pp | 32.23%-24.9pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,280 | $3,444-62.8% | $5,501-76.7% | $2,281-43.9% |
| Participant deferral / active EE | $2,223 | $3,046-27.0% | $4,871-54.4% | $3,203-30.6% |
| Admin fee / account holder | $2,325 | $5,561-58.2% | $13,028-82.2% | $4,296-45.9% |