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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 | $42,885 | $103,393-58.5% | $87,103-50.8% | $152,909-72.0% |
| Participation rate | 95.8% | 79.4%+16.5pp | 76.9%+19.0pp | 82.5%+13.4pp |
| Annual return | 19.21% | 28.10%-8.9pp | 28.19%-9.0pp | 345.46%-326.3pp |
| Employer contribution / active EE | $2,892 | $3,221-10.2% | $2,521+14.7% | $4,764-39.3% |
| Participant deferral / active EE | $6,263 | $4,778+31.1% | $4,049+54.7% | $5,851+7.0% |
| Admin fee / account holder | $28,840 | $12,195+136.5% | $7,491+285.0% | $11,601+148.6% |