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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 | $34,692 | $76,407-54.6% | $150,298-76.9% | $82,448-57.9% |
| Participation rate | 97.4% | 66.4%+31.0pp | 77.8%+19.6pp | 68.1%+29.3pp |
| Annual return | 14.74% | 39.99%-25.3pp | 62.79%-48.0pp | 41.64%-26.9pp |
| Employer contribution / active EE | $3,134 | $2,614+19.9% | $4,154-24.6% | $2,551+22.9% |
| Participant deferral / active EE | $1,738 | $3,214-45.9% | $5,453-68.1% | $4,139-58.0% |
| Admin fee / account holder | $1,663 | $6,352-73.8% | $14,116-88.2% | $7,234-77.0% |