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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 | $10,535 | $37,446-71.9% | $77,513-86.4% | $79,852-86.8% |
| Participation rate | 95.7% | 41.5%+54.1pp | 54.2%+41.5pp | 69.6%+26.0pp |
| Annual return | 14.18% | 39.76%-25.6pp | 54.81%-40.6pp | 31.72%-17.5pp |
| Employer contribution / active EE | $4,421 | $637+593.9% | $987+348.1% | $2,471+78.9% |
| Participant deferral / active EE | $994 | $1,261-21.2% | $1,861-46.6% | $3,740-73.4% |
| Admin fee / account holder | $486 | $2,506-80.6% | $2,859-83.0% | $5,306-90.8% |