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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 | $16,732 | $76,407-78.1% | $150,298-88.9% | $82,448-79.7% |
| Participation rate | 97.3% | 66.4%+30.9pp | 77.8%+19.5pp | 68.1%+29.2pp |
| Annual return | 30.36% | 39.99%-9.6pp | 62.79%-32.4pp | 41.64%-11.3pp |
| Employer contribution / active EE | $2,369 | $2,614-9.4% | $4,154-43.0% | $2,551-7.2% |
| Participant deferral / active EE | $3,839 | $3,214+19.4% | $5,453-29.6% | $4,139-7.3% |
| Admin fee / account holder | $326 | $6,352-94.9% | $14,116-97.7% | $7,234-95.5% |