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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 | $83,700 | $201,344-58.4% | $184,243-54.6% | $145,877-42.6% |
| Participation rate | 90.9% | 87.5%+3.4pp | 86.8%+4.1pp | 80.3%+10.6pp |
| Annual return | 16.57% | 29.01%-12.4pp | 28.82%-12.3pp | 551.28%-534.7pp |
| Employer contribution / active EE | $2,964 | $7,022-57.8% | $6,427-53.9% | $4,663-36.4% |
| Participant deferral / active EE | $3,904 | $9,807-60.2% | $9,132-57.3% | $6,691-41.6% |
| Admin fee / account holder | $782 | $16,382-95.2% | $13,914-94.4% | $13,402-94.2% |