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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 | $106,749-42.2% | $145,433-57.6% | $82,448-25.2% |
| Participation rate | 97.5% | 75.6%+21.9pp | 82.1%+15.4pp | 68.1%+29.4pp |
| Annual return | 40.36% | 27.59%+12.8pp | 66.58%-26.2pp | 41.64%-1.3pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $20,462 | $6,519+213.9% | $7,897+159.1% | $4,139+394.3% |
| Admin fee / account holder | $17,983 | $8,390+114.3% | $13,129+37.0% | $7,234+148.6% |