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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 | $36,012 | $58,311-38.2% | $81,882-56.0% | $80,959-55.5% |
| Participation rate | 93.5% | 63.5%+30.1pp | 72.4%+21.2pp | 67.7%+25.9pp |
| Annual return | 13.24% | 41.85%-28.6pp | 779.47%-766.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,832 | $2,347-21.9% | $2,916-37.2% | $2,757-33.5% |
| Participant deferral / active EE | $4,759 | $3,287+44.8% | $4,323+10.1% | $4,300+10.7% |
| Admin fee / account holder | $2,703 | $4,752-43.1% | $7,360-63.3% | $6,925-61.0% |