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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 | $19,191 | $90,486-78.8% | $78,676-75.6% | $273,972-93.0% |
| Participation rate | 94.7% | 76.5%+18.2pp | 73.6%+21.2pp | 83.0%+11.7pp |
| Annual return | 7.16% | 75.62%-68.5pp | 62.19%-55.0pp | 41.46%-34.3pp |
| Employer contribution / active EE | $2,904 | $3,175-8.5% | $2,850+1.9% | $4,869-40.3% |
| Participant deferral / active EE | $5,193 | $3,901+33.1% | $3,517+47.7% | $5,287-1.8% |
| Admin fee / account holder | $3,875 | $5,263-26.4% | $4,510-14.1% | $10,133-61.8% |