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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 | $31,423 | $115,903-72.9% | $100,528-68.7% | $158,966-80.2% |
| Participation rate | 91.7% | 81.6%+10.1pp | 79.4%+12.2pp | 82.0%+9.7pp |
| Annual return | 20.56% | 34.80%-14.2pp | 30.90%-10.3pp | 302.95%-282.4pp |
| Employer contribution / active EE | $3,812 | $4,105-7.1% | $3,419+11.5% | $4,762-20.0% |
| Participant deferral / active EE | $4,895 | $6,677-26.7% | $6,271-22.0% | $5,983-18.2% |
| Admin fee / account holder | $1,586 | $11,000-85.6% | $8,084-80.4% | $11,250-85.9% |