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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 | $39,693 | $103,392-61.6% | $87,104-54.4% | $152,897-74.0% |
| Participation rate | 94.1% | 79.4%+14.8pp | 76.9%+17.2pp | 82.5%+11.7pp |
| Annual return | 11.74% | 28.10%-16.4pp | 28.19%-16.4pp | 345.43%-333.7pp |
| Employer contribution / active EE | $1,235 | $3,221-61.7% | $2,521-51.0% | $4,764-74.1% |
| Participant deferral / active EE | $2,300 | $4,778-51.9% | $4,048-43.2% | $5,851-60.7% |
| Admin fee / account holder | $302 | $12,194-97.5% | $7,491-96.0% | $11,599-97.4% |