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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 | $30,869 | $65,027-52.5% | $90,970-66.1% | $79,852-61.3% |
| Participation rate | 96.6% | 61.6%+34.9pp | 69.0%+27.5pp | 69.6%+26.9pp |
| Annual return | 13.07% | 30.45%-17.4pp | 134.58%-121.5pp | 31.72%-18.6pp |
| Employer contribution / active EE | $3,403 | $1,247+172.9% | $2,122+60.4% | $2,471+37.7% |
| Participant deferral / active EE | $1,608 | $2,512-36.0% | $3,373-52.3% | $3,740-57.0% |
| Admin fee / account holder | $2,765 | $4,535-39.0% | $5,960-53.6% | $5,306-47.9% |