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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 | $28,662 | $58,523-51.0% | $99,475-71.2% | $72,975-60.7% |
| Participation rate | 77.8% | 64.6%+13.1pp | 73.8%+3.9pp | 69.5%+8.3pp |
| Annual return | 59.04% | 28.51%+30.5pp | 30.72%+28.3pp | 81.01%-22.0pp |
| Employer contribution / active EE | $1,264 | $1,512-16.4% | $2,540-50.2% | $2,440-48.2% |
| Participant deferral / active EE | $3,846 | $2,606+47.6% | $3,619+6.3% | $3,608+6.6% |
| Admin fee / account holder | $426 | $4,102-89.6% | $6,252-93.2% | $5,124-91.7% |