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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 | $37,157 | $77,638-52.1% | $156,551-76.3% | $62,881-40.9% |
| Participation rate | 98.8% | 71.2%+27.6pp | 84.0%+14.8pp | 69.3%+29.5pp |
| Annual return | 9.99% | 50.33%-40.3pp | 32.23%-22.2pp | 20.14%-10.2pp |
| Employer contribution / active EE | $3,666 | $3,444+6.4% | $5,501-33.4% | $2,281+60.7% |
| Participant deferral / active EE | $2,357 | $3,046-22.6% | $4,871-51.6% | $3,203-26.4% |
| Admin fee / account holder | $1,552 | $5,561-72.1% | $13,028-88.1% | $4,296-63.9% |