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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 | $25,235 | $112,729-77.6% | $98,716-74.4% | $137,256-81.6% |
| Participation rate | 90.0% | 74.2%+15.8pp | 69.3%+20.7pp | 80.0%+10.0pp |
| Annual return | 19.38% | 38.48%-19.1pp | 31.81%-12.4pp | 220.34%-201.0pp |
| Employer contribution / active EE | $2,011 | $2,725-26.2% | $2,279-11.8% | $4,156-51.6% |
| Participant deferral / active EE | $5,406 | $4,640+16.5% | $4,048+33.6% | $6,407-15.6% |
| Admin fee / account holder | $468 | $10,129-95.4% | $8,703-94.6% | $12,270-96.2% |