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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 | $41,120 | $124,330-66.9% | $109,173-62.3% | $167,536-75.5% |
| Participation rate | 89.5% | 79.5%+10.0pp | 75.9%+13.6pp | 82.1%+7.4pp |
| Annual return | 11.75% | 26.04%-14.3pp | 25.75%-14.0pp | 478.82%-467.1pp |
| Employer contribution / active EE | $2,211 | $4,209-47.5% | $3,723-40.6% | $4,839-54.3% |
| Participant deferral / active EE | $3,656 | $5,256-30.5% | $4,654-21.5% | $6,342-42.4% |
| Admin fee / account holder | $2,721 | $7,974-65.9% | $6,755-59.7% | $12,315-77.9% |