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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 | $57,900 | $201,372-71.2% | $184,260-68.6% | $145,884-60.3% |
| Participation rate | 88.9% | 87.5%+1.4pp | 86.8%+2.1pp | 80.3%+8.6pp |
| Annual return | 21.89% | 29.04%-7.2pp | 28.84%-7.0pp | 551.85%-530.0pp |
| Employer contribution / active EE | $3,537 | $7,024-49.6% | $6,427-45.0% | $4,662-24.1% |
| Participant deferral / active EE | $11,563 | $9,808+17.9% | $9,133+26.6% | $6,690+72.8% |
| Admin fee / account holder | $28,445 | $16,362+73.8% | $13,898+104.7% | $13,392+112.4% |