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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 | $46,036 | $91,559-49.7% | $133,978-65.6% | $79,856-42.4% |
| Participation rate | 96.3% | 73.3%+23.0pp | 79.8%+16.5pp | 69.6%+26.7pp |
| Annual return | 10.50% | 61.85%-51.4pp | 45.10%-34.6pp | 31.71%-21.2pp |
| Employer contribution / active EE | $663 | $2,384-72.2% | $3,919-83.1% | $2,471-73.2% |
| Participant deferral / active EE | $2,372 | $3,734-36.5% | $5,047-53.0% | $3,741-36.6% |
| Admin fee / account holder | $2,416 | $6,321-61.8% | $8,930-72.9% | $5,306-54.5% |