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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 | $57,848 | $55,902+3.5% | $76,030-23.9% | $80,959-28.5% |
| Participation rate | 94.7% | 62.1%+32.7pp | 69.1%+25.7pp | 67.7%+27.1pp |
| Annual return | 10.72% | 20.59%-9.9pp | 361.54%-350.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $808 | $1,867-56.7% | $2,688-69.9% | $2,757-70.7% |
| Participant deferral / active EE | $5,718 | $3,051+87.4% | $4,257+34.3% | $4,300+33.0% |
| Admin fee / account holder | $9,012 | $5,239+72.0% | $6,421+40.4% | $6,925+30.1% |