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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 | $39,748 | $81,208-51.1% | $98,920-59.8% | $79,856-50.2% |
| Participation rate | 95.7% | 72.5%+23.2pp | 76.0%+19.7pp | 69.6%+26.1pp |
| Annual return | 10.71% | 60.99%-50.3pp | 196.47%-185.8pp | 31.71%-21.0pp |
| Employer contribution / active EE | $1,635 | $1,960-16.6% | $2,689-39.2% | $2,471-33.9% |
| Participant deferral / active EE | $3,235 | $3,265-0.9% | $4,245-23.8% | $3,741-13.5% |
| Admin fee / account holder | $830 | $6,013-86.2% | $6,643-87.5% | $5,306-84.4% |