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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 | $21,025 | $124,330-83.1% | $109,173-80.7% | $167,536-87.5% |
| Participation rate | 90.0% | 79.5%+10.5pp | 75.9%+14.1pp | 82.1%+7.9pp |
| Annual return | 13.62% | 26.04%-12.4pp | 25.75%-12.1pp | 478.82%-465.2pp |
| Employer contribution / active EE | $2,421 | $4,209-42.5% | $3,723-35.0% | $4,839-50.0% |
| Participant deferral / active EE | $4,297 | $5,256-18.2% | $4,654-7.7% | $6,342-32.2% |
| Admin fee / account holder | $353 | $7,974-95.6% | $6,755-94.8% | $12,315-97.1% |