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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 | $48,285 | $78,672-38.6% | $109,163-55.8% | $85,856-43.8% |
| Participation rate | 89.3% | 68.3%+21.0pp | 75.9%+13.4pp | 69.3%+20.0pp |
| Annual return | 12.86% | 25.09%-12.2pp | 25.75%-12.9pp | 318.58%-305.7pp |
| Employer contribution / active EE | $12,992 | $2,734+375.3% | $3,723+249.0% | $2,565+406.5% |
| Participant deferral / active EE | $5,885 | $3,467+69.7% | $4,654+26.5% | $3,952+48.9% |
| Admin fee / account holder | $3,384 | $5,470-38.1% | $6,754-49.9% | $6,261-45.9% |