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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 | $76,407-59.9% | $150,298-79.6% | $82,448-62.8% |
| Participation rate | 97.6% | 66.4%+31.2pp | 77.8%+19.8pp | 68.1%+29.5pp |
| Annual return | 14.64% | 39.99%-25.4pp | 62.79%-48.2pp | 41.64%-27.0pp |
| Employer contribution / active EE | $976 | $2,614-62.7% | $4,154-76.5% | $2,551-61.7% |
| Participant deferral / active EE | $3,150 | $3,214-2.0% | $5,453-42.2% | $4,139-23.9% |
| Admin fee / account holder | $540 | $6,352-91.5% | $14,116-96.2% | $7,234-92.5% |