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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 | $29,130 | $84,236-65.4% | $170,435-82.9% | $70,126-58.5% |
| Participation rate | 97.6% | 70.8%+26.7pp | 83.6%+14.0pp | 69.5%+28.0pp |
| Annual return | 16.56% | 23.06%-6.5pp | 205.94%-189.4pp | 73.15%-56.6pp |
| Employer contribution / active EE | $3,467 | $3,387+2.4% | $5,432-36.2% | $2,343+48.0% |
| Participant deferral / active EE | $4,407 | $3,086+42.8% | $4,939-10.8% | $3,332+32.3% |
| Admin fee / account holder | $1,324 | $5,698-76.8% | $13,881-90.5% | $4,645-71.5% |