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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 | $40,276 | $165,381-75.6% | $149,730-73.1% | $158,966-74.7% |
| Participation rate | 87.5% | 84.6%+2.9pp | 82.5%+5.0pp | 82.0%+5.5pp |
| Annual return | 16.42% | 348.29%-331.9pp | 276.70%-260.3pp | 302.95%-286.5pp |
| Employer contribution / active EE | $3,687 | $5,104-27.8% | $4,645-20.6% | $4,762-22.6% |
| Participant deferral / active EE | $7,917 | $7,182+10.2% | $6,843+15.7% | $5,983+32.3% |
| Admin fee / account holder | $1,487 | $10,809-86.2% | $9,310-84.0% | $11,250-86.8% |