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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 | $37,463 | $81,358-54.0% | $155,556-75.9% | $80,959-53.7% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 13.35% | 33.39%-20.0pp | 64.84%-51.5pp | 35.67%-22.3pp |
| Employer contribution / active EE | $3,904 | $3,106+25.7% | $4,675-16.5% | $2,757+41.6% |
| Participant deferral / active EE | $1,758 | $3,455-49.1% | $5,631-68.8% | $4,300-59.1% |
| Admin fee / account holder | $508 | $7,994-93.6% | $15,885-96.8% | $6,925-92.7% |