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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 | $29,634 | $55,902-47.0% | $76,030-61.0% | $80,959-63.4% |
| Participation rate | 96.6% | 62.1%+34.5pp | 69.1%+27.5pp | 67.7%+28.9pp |
| Annual return | 16.83% | 20.59%-3.8pp | 361.54%-344.7pp | 35.67%-18.8pp |
| Employer contribution / active EE | $1,924 | $1,867+3.1% | $2,688-28.4% | $2,757-30.2% |
| Participant deferral / active EE | $3,889 | $3,051+27.5% | $4,257-8.7% | $4,300-9.6% |
| Admin fee / account holder | $603 | $5,239-88.5% | $6,421-90.6% | $6,925-91.3% |