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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 | $41,031 | $98,776-58.5% | $149,745-72.6% | $79,856-48.6% |
| Participation rate | 96.2% | 75.8%+20.4pp | 82.5%+13.7pp | 69.6%+26.5pp |
| Annual return | 16.85% | 27.38%-10.5pp | 276.72%-259.9pp | 31.71%-14.9pp |
| Employer contribution / active EE | $2,561 | $3,217-20.4% | $4,646-44.9% | $2,471+3.7% |
| Participant deferral / active EE | $6,441 | $5,681+13.4% | $6,843-5.9% | $3,741+72.2% |
| Admin fee / account holder | $411 | $6,053-93.2% | $9,312-95.6% | $5,306-92.3% |