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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 | $44,986 | $165,399-72.8% | $149,745-70.0% | $158,982-71.7% |
| Participation rate | 95.0% | 84.6%+10.4pp | 82.5%+12.5pp | 82.0%+13.0pp |
| Annual return | 19.69% | 348.34%-328.6pp | 276.72%-257.0pp | 302.99%-283.3pp |
| Employer contribution / active EE | $2,418 | $5,105-52.6% | $4,646-47.9% | $4,763-49.2% |
| Participant deferral / active EE | $6,644 | $7,183-7.5% | $6,843-2.9% | $5,983+11.0% |
| Admin fee / account holder | $503 | $10,811-95.3% | $9,312-94.6% | $11,252-95.5% |