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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 | $32,040 | $103,393-69.0% | $87,103-63.2% | $152,909-79.0% |
| Participation rate | 93.8% | 79.4%+14.4pp | 76.9%+16.9pp | 82.5%+11.3pp |
| Annual return | 25.64% | 28.10%-2.5pp | 28.19%-2.6pp | 345.46%-319.8pp |
| Employer contribution / active EE | $1,090 | $3,221-66.2% | $2,521-56.8% | $4,764-77.1% |
| Participant deferral / active EE | $5,336 | $4,778+11.7% | $4,049+31.8% | $5,851-8.8% |
| Admin fee / account holder | $851 | $12,195-93.0% | $7,491-88.6% | $11,601-92.7% |