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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 | $25,612 | $124,330-79.4% | $109,173-76.5% | $167,536-84.7% |
| Participation rate | 95.5% | 79.5%+16.0pp | 75.9%+19.6pp | 82.1%+13.3pp |
| Annual return | 29.43% | 26.04%+3.4pp | 25.75%+3.7pp | 478.82%-449.4pp |
| Employer contribution / active EE | $1,818 | $4,209-56.8% | $3,723-51.2% | $4,839-62.4% |
| Participant deferral / active EE | $5,007 | $5,256-4.7% | $4,654+7.6% | $6,342-21.1% |
| Admin fee / account holder | $767 | $7,974-90.4% | $6,755-88.6% | $12,315-93.8% |