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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 | $38,778 | $117,895-67.1% | $102,460-62.2% | $145,897-73.4% |
| Participation rate | 95.5% | 78.6%+16.8pp | 76.5%+18.9pp | 80.3%+15.1pp |
| Annual return | 13.24% | 31.92%-18.7pp | 29.47%-16.2pp | 552.29%-539.0pp |
| Employer contribution / active EE | $3,375 | $3,619-6.8% | $3,025+11.6% | $4,663-27.6% |
| Participant deferral / active EE | $5,456 | $5,736-4.9% | $5,056+7.9% | $6,689-18.4% |
| Admin fee / account holder | $519 | $13,353-96.1% | $9,460-94.5% | $13,390-96.1% |