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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 | $66,543 | $124,330-46.5% | $109,173-39.0% | $167,536-60.3% |
| Participation rate | 92.3% | 79.5%+12.9pp | 75.9%+16.4pp | 82.1%+10.2pp |
| Annual return | 10.87% | 26.04%-15.2pp | 25.75%-14.9pp | 478.82%-467.9pp |
| Employer contribution / active EE | $2,230 | $4,209-47.0% | $3,723-40.1% | $4,839-53.9% |
| Participant deferral / active EE | $5,353 | $5,256+1.8% | $4,654+15.0% | $6,342-15.6% |
| Admin fee / account holder | $4,930 | $7,974-38.2% | $6,755-27.0% | $12,315-60.0% |