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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 | $37,317 | $91,559-59.2% | $133,959-72.1% | $79,858-53.3% |
| Participation rate | 92.7% | 73.3%+19.3pp | 79.8%+12.8pp | 69.6%+23.0pp |
| Annual return | 23.82% | 61.85%-38.0pp | 45.09%-21.3pp | 31.72%-7.9pp |
| Employer contribution / active EE | $1,654 | $2,384-30.6% | $3,919-57.8% | $2,471-33.1% |
| Participant deferral / active EE | $4,623 | $3,734+23.8% | $5,047-8.4% | $3,740+23.6% |
| Admin fee / account holder | $1,250 | $6,321-80.2% | $8,928-86.0% | $5,306-76.4% |