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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 | $49,796 | $162,821-69.4% | $133,978-62.8% | $158,982-68.7% |
| Participation rate | 88.2% | 83.2%+5.0pp | 79.8%+8.4pp | 82.0%+6.3pp |
| Annual return | 17.72% | 41.95%-24.2pp | 45.10%-27.4pp | 302.99%-285.3pp |
| Employer contribution / active EE | $3,505 | $4,976-29.6% | $3,919-10.6% | $4,763-26.4% |
| Participant deferral / active EE | $8,295 | $5,910+40.4% | $5,047+64.3% | $5,983+38.6% |
| Admin fee / account holder | $331 | $11,742-97.2% | $8,930-96.3% | $11,252-97.1% |