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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 | $39,245 | $101,752-61.4% | $164,928-76.2% | $80,911-51.5% |
| Participation rate | 97.6% | 71.8%+25.7pp | 78.6%+18.9pp | 67.6%+29.9pp |
| Annual return | 13.40% | 16.73%-3.3pp | 70.08%-56.7pp | 35.63%-22.2pp |
| Employer contribution / active EE | $3,676 | $2,953+24.5% | $4,343-15.4% | $2,756+33.4% |
| Participant deferral / active EE | $7,533 | $4,477+68.3% | $6,034+24.9% | $4,297+75.3% |
| Admin fee / account holder | $3,896 | $8,218-52.6% | $12,684-69.3% | $6,935-43.8% |