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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 | $23,218 | $89,370-74.0% | $141,197-83.6% | $72,976-68.2% |
| Participation rate | 97.2% | 75.1%+22.1pp | 82.5%+14.7pp | 69.5%+27.7pp |
| Annual return | 27.61% | 111.88%-84.3pp | 71.41%-43.8pp | 81.02%-53.4pp |
| Employer contribution / active EE | $1,443 | $3,115-53.7% | $4,736-69.5% | $2,440-40.9% |
| Participant deferral / active EE | $4,929 | $5,419-9.0% | $6,710-26.5% | $3,608+36.6% |
| Admin fee / account holder | $1,951 | $5,957-67.2% | $10,265-81.0% | $5,124-61.9% |