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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 | $34,094 | $90,486-62.3% | $78,676-56.7% | $273,972-87.6% |
| Participation rate | 94.7% | 76.5%+18.2pp | 73.6%+21.2pp | 83.0%+11.7pp |
| Annual return | 12.44% | 75.62%-63.2pp | 62.19%-49.8pp | 41.46%-29.0pp |
| Employer contribution / active EE | $268 | $3,175-91.6% | $2,850-90.6% | $4,869-94.5% |
| Participant deferral / active EE | $3,788 | $3,901-2.9% | $3,517+7.7% | $5,287-28.4% |
| Admin fee / account holder | $2,935 | $5,263-44.2% | $4,510-34.9% | $10,133-71.0% |