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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 | $30,631 | $78,690-61.1% | $161,489-81.0% | $87,485-65.0% |
| Participation rate | 97.6% | 67.5%+30.1pp | 78.7%+18.9pp | 68.9%+28.6pp |
| Annual return | 14.64% | 32.74%-18.1pp | 89.72%-75.1pp | 26.06%-11.4pp |
| Employer contribution / active EE | $976 | $2,588-62.3% | $4,268-77.1% | $2,596-62.4% |
| Participant deferral / active EE | $3,150 | $3,311-4.8% | $5,630-44.0% | $4,274-26.3% |
| Admin fee / account holder | $540 | $6,724-92.0% | $16,006-96.6% | $7,775-93.1% |