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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 | $39,842 | $76,407-47.9% | $150,298-73.5% | $82,448-51.7% |
| Participation rate | 95.5% | 66.4%+29.1pp | 77.8%+17.7pp | 68.1%+27.4pp |
| Annual return | 29.13% | 39.99%-10.9pp | 62.79%-33.7pp | 41.64%-12.5pp |
| Employer contribution / active EE | $444 | $2,614-83.0% | $4,154-89.3% | $2,551-82.6% |
| Participant deferral / active EE | $9,882 | $3,214+207.4% | $5,453+81.2% | $4,139+138.7% |
| Admin fee / account holder | $4,825 | $6,352-24.0% | $14,116-65.8% | $7,234-33.3% |