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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 | $36,157 | $98,776-63.4% | $149,745-75.9% | $79,856-54.7% |
| Participation rate | 96.9% | 75.8%+21.1pp | 82.5%+14.4pp | 69.6%+27.2pp |
| Annual return | 21.61% | 27.38%-5.8pp | 276.72%-255.1pp | 31.71%-10.1pp |
| Employer contribution / active EE | $1,930 | $3,217-40.0% | $4,646-58.5% | $2,471-21.9% |
| Participant deferral / active EE | $6,040 | $5,681+6.3% | $6,843-11.7% | $3,741+61.5% |
| Admin fee / account holder | $317 | $6,053-94.8% | $9,312-96.6% | $5,306-94.0% |