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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 | $13,366 | $58,848-77.3% | $88,179-84.8% | $82,637-83.8% |
| Participation rate | 93.5% | 57.9%+35.7pp | 69.1%+24.4pp | 68.1%+25.5pp |
| Annual return | 48.32% | 22.76%+25.6pp | 64.97%-16.6pp | 53.51%-5.2pp |
| Employer contribution / active EE | $2,822 | $1,678+68.1% | $2,549+10.7% | $2,552+10.6% |
| Participant deferral / active EE | $3,334 | $3,124+6.7% | $4,614-27.7% | $4,126-19.2% |
| Admin fee / account holder | $309 | $4,795-93.6% | $7,673-96.0% | $7,339-95.8% |