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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 | $21,555 | $77,962-72.4% | $178,540-87.9% | $80,935-73.4% |
| Participation rate | 90.0% | 65.7%+24.3pp | 77.1%+12.9pp | 67.7%+22.3pp |
| Annual return | 64.58% | 18.10%+46.5pp | 27.15%+37.4pp | 35.66%+28.9pp |
| Employer contribution / active EE | $508 | $2,280-77.7% | $3,953-87.2% | $2,757-81.6% |
| Participant deferral / active EE | $4,717 | $4,404+7.1% | $6,281-24.9% | $4,299+9.7% |
| Admin fee / account holder | $1,623 | $7,156-77.3% | $10,424-84.4% | $6,924-76.6% |