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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 | $61,649 | $106,864-42.3% | $147,318-58.2% | $82,637-25.4% |
| Participation rate | 97.5% | 75.5%+22.0pp | 82.1%+15.4pp | 68.1%+29.4pp |
| Annual return | 40.36% | 27.49%+12.9pp | 70.43%-30.1pp | 53.51%-13.1pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $20,462 | $6,496+215.0% | $7,906+158.8% | $4,126+395.9% |
| Admin fee / account holder | $17,983 | $8,415+113.7% | $13,708+31.2% | $7,339+145.0% |