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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 | $26,871 | $117,829-77.2% | $102,423-73.8% | $145,877-81.6% |
| Participation rate | 87.5% | 78.6%+8.9pp | 76.5%+11.0pp | 80.3%+7.2pp |
| Annual return | 12.76% | 31.83%-19.1pp | 29.42%-16.7pp | 551.28%-538.5pp |
| Employer contribution / active EE | $3,150 | $3,615-12.9% | $3,023+4.2% | $4,663-32.5% |
| Participant deferral / active EE | $3,938 | $5,732-31.3% | $5,054-22.1% | $6,691-41.1% |
| Admin fee / account holder | $2,040 | $13,335-84.7% | $9,455-78.4% | $13,402-84.8% |