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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 | $30,657 | $111,787-72.6% | $93,681-67.3% | $145,978-79.0% |
| Participation rate | 94.4% | 74.2%+20.2pp | 68.7%+25.7pp | 80.3%+14.2pp |
| Annual return | 14.65% | 203.52%-188.9pp | 133.47%-118.8pp | 550.52%-535.9pp |
| Employer contribution / active EE | $1,992 | $3,093-35.6% | $2,422-17.8% | $4,662-57.3% |
| Participant deferral / active EE | $5,169 | $4,918+5.1% | $4,415+17.1% | $6,690-22.7% |
| Admin fee / account holder | $987 | $10,256-90.4% | $8,290-88.1% | $13,400-92.6% |