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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 | $15,094 | $106,247-85.8% | $96,515-84.4% | $139,466-89.2% |
| Participation rate | 90.5% | 77.8%+12.6pp | 74.3%+16.1pp | 80.3%+10.1pp |
| Annual return | 27.95% | 38.47%-10.5pp | 35.73%-7.8pp | 373.66%-345.7pp |
| Employer contribution / active EE | $2,223 | $4,106-45.9% | $3,740-40.6% | $4,754-53.2% |
| Participant deferral / active EE | $3,500 | $5,456-35.8% | $4,880-28.3% | $6,712-47.8% |
| Admin fee / account holder | $2,390 | $7,885-69.7% | $6,735-64.5% | $11,409-79.1% |