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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 | $39,051 | $77,638-49.7% | $156,551-75.1% | $62,881-37.9% |
| Participation rate | 85.1% | 71.2%+13.9pp | 84.0%+1.1pp | 69.3%+15.8pp |
| Annual return | 11.59% | 50.33%-38.7pp | 32.23%-20.6pp | 20.14%-8.6pp |
| Employer contribution / active EE | $2,148 | $3,444-37.6% | $5,501-61.0% | $2,281-5.8% |
| Participant deferral / active EE | $3,473 | $3,046+14.0% | $4,871-28.7% | $3,203+8.4% |
| Admin fee / account holder | $1,149 | $5,561-79.3% | $13,028-91.2% | $4,296-73.2% |