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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 | $25,760 | $106,247-75.8% | $96,515-73.3% | $139,466-81.5% |
| Participation rate | 94.1% | 77.8%+16.3pp | 74.3%+19.8pp | 80.3%+13.8pp |
| Annual return | 23.70% | 38.47%-14.8pp | 35.73%-12.0pp | 373.66%-350.0pp |
| Employer contribution / active EE | $3,051 | $4,106-25.7% | $3,740-18.4% | $4,754-35.8% |
| Participant deferral / active EE | $6,861 | $5,456+25.8% | $4,880+40.6% | $6,712+2.2% |
| Admin fee / account holder | $5,344 | $7,885-32.2% | $6,735-20.7% | $11,409-53.2% |