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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 | $32,023 | $111,535-71.3% | $105,223-69.6% | $137,256-76.7% |
| Participation rate | 84.6% | 78.1%+6.5pp | 75.0%+9.6pp | 80.0%+4.7pp |
| Annual return | 17.18% | 237.85%-220.7pp | 180.65%-163.5pp | 220.34%-203.2pp |
| Employer contribution / active EE | $3,541 | $3,939-10.1% | $3,689-4.0% | $4,156-14.8% |
| Participant deferral / active EE | $5,244 | $5,500-4.6% | $5,072+3.4% | $6,407-18.1% |
| Admin fee / account holder | $357 | $9,721-96.3% | $8,859-96.0% | $12,270-97.1% |