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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 | $33,543 | $51,642-35.0% | $129,384-74.1% | $80,935-58.6% |
| Participation rate | 97.4% | 56.9%+40.5pp | 69.6%+27.7pp | 67.7%+29.7pp |
| Annual return | 15.54% | 20.78%-5.2pp | 9461.77%-9446.2pp | 35.66%-20.1pp |
| Employer contribution / active EE | $1,460 | $1,583-7.8% | $4,153-64.9% | $2,757-47.1% |
| Participant deferral / active EE | $4,040 | $2,670+51.3% | $4,166-3.0% | $4,299-6.0% |
| Admin fee / account holder | $1,275 | $4,312-70.4% | $7,686-83.4% | $6,924-81.6% |