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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 | $31,439 | $139,948-77.5% | $121,663-74.2% | $154,746-79.7% |
| Participation rate | 80.0% | 78.0%+2.0pp | 74.5%+5.5pp | 80.7%-0.7pp |
| Annual return | 15.95% | 230.52%-214.6pp | 147.54%-131.6pp | 172.34%-156.4pp |
| Employer contribution / active EE | $2,883 | $3,521-18.1% | $3,020-4.5% | $4,379-34.2% |
| Participant deferral / active EE | $5,265 | $5,629-6.5% | $4,887+7.7% | $6,730-21.8% |
| Admin fee / account holder | $2,887 | $17,321-83.3% | $14,289-79.8% | $14,365-79.9% |