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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 | $46,954 | $65,367-28.2% | $92,915-49.5% | $72,976-35.7% |
| Participation rate | 98.0% | 68.3%+29.7pp | 76.0%+22.0pp | 69.5%+28.6pp |
| Annual return | 24.13% | 42.11%-18.0pp | 109.45%-85.3pp | 81.02%-56.9pp |
| Employer contribution / active EE | $7,681 | $2,594+196.1% | $3,653+110.2% | $2,440+214.8% |
| Participant deferral / active EE | $6,607 | $3,128+111.2% | $4,238+55.9% | $3,608+83.1% |
| Admin fee / account holder | $1,021 | $4,251-76.0% | $5,796-82.4% | $5,124-80.1% |