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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 | $38,460 | $125,797-69.4% | $170,057-77.4% | $75,177-48.8% |
| Participation rate | 95.0% | 83.6%+11.4pp | 87.0%+8.0pp | 67.2%+27.8pp |
| Annual return | 16.08% | 27.20%-11.1pp | 53.42%-37.3pp | 160.75%-144.7pp |
| Employer contribution / active EE | $2,273 | $4,616-50.8% | $6,790-66.5% | $2,671-14.9% |
| Participant deferral / active EE | $4,402 | $6,838-35.6% | $10,411-57.7% | $4,126+6.7% |
| Admin fee / account holder | $2,503 | $8,177-69.4% | $12,826-80.5% | $5,651-55.7% |