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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 | $39,320 | $46,534-15.5% | $64,097-38.7% | $75,177-47.7% |
| Participation rate | 92.5% | 65.9%+26.6pp | 72.3%+20.2pp | 67.2%+25.3pp |
| Annual return | 66.99% | 26.07%+40.9pp | 33.75%+33.2pp | 160.75%-93.8pp |
| Employer contribution / active EE | $1,778 | $1,976-10.0% | $2,750-35.4% | $2,671-33.5% |
| Participant deferral / active EE | $3,716 | $2,835+31.1% | $3,881-4.3% | $4,126-10.0% |
| Admin fee / account holder | $680 | $2,957-77.0% | $3,070-77.9% | $5,651-88.0% |