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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 | $49,332 | $91,559-46.1% | $133,978-63.2% | $79,856-38.2% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 13.65% | 61.85%-48.2pp | 45.10%-31.5pp | 31.71%-18.1pp |
| Employer contribution / active EE | $1,895 | $2,384-20.5% | $3,919-51.6% | $2,471-23.3% |
| Participant deferral / active EE | $3,622 | $3,734-3.0% | $5,047-28.2% | $3,741-3.2% |
| Admin fee / account holder | $825 | $6,321-86.9% | $8,930-90.8% | $5,306-84.5% |