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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 | $41,435 | $78,707-47.4% | $117,861-64.8% | $70,126-40.9% |
| Participation rate | 96.7% | 73.2%+23.5pp | 79.7%+17.0pp | 69.5%+27.1pp |
| Annual return | 14.51% | 23.30%-8.8pp | 335.11%-320.6pp | 73.15%-58.6pp |
| Employer contribution / active EE | $701 | $2,223-68.5% | $3,786-81.5% | $2,343-70.1% |
| Participant deferral / active EE | $2,057 | $3,297-37.6% | $4,482-54.1% | $3,332-38.3% |
| Admin fee / account holder | $964 | $5,066-81.0% | $8,021-88.0% | $4,645-79.2% |