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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 | $47,109 | $64,324-26.8% | $118,914-60.4% | $79,856-41.0% |
| Participation rate | 96.0% | 64.9%+31.1pp | 75.4%+20.6pp | 69.6%+26.4pp |
| Annual return | 13.78% | 86.45%-72.7pp | 35.89%-22.1pp | 31.71%-17.9pp |
| Employer contribution / active EE | $1,685 | $1,836-8.3% | $3,264-48.4% | $2,471-31.8% |
| Participant deferral / active EE | $2,621 | $2,824-7.2% | $4,266-38.6% | $3,741-29.9% |
| Admin fee / account holder | $466 | $4,040-88.5% | $6,582-92.9% | $5,306-91.2% |