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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 | $30,674 | $51,620-40.6% | $90,300-66.0% | $65,185-52.9% |
| Participation rate | 96.6% | 68.6%+28.0pp | 73.3%+23.3pp | 70.2%+26.4pp |
| Annual return | 19.38% | 24.94%-5.6pp | 78.11%-58.7pp | 29.38%-10.0pp |
| Employer contribution / active EE | $716 | $2,235-67.9% | $2,854-74.9% | $2,177-67.1% |
| Participant deferral / active EE | $2,108 | $2,871-26.6% | $3,884-45.7% | $3,514-40.0% |
| Admin fee / account holder | $607 | $384+58.1% | $5,353-88.7% | $847-28.3% |