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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 | $28,795 | $117,859-75.6% | $102,438-71.9% | $145,959-80.3% |
| Participation rate | 94.4% | 78.6%+15.8pp | 76.5%+17.9pp | 80.3%+14.2pp |
| Annual return | 10.81% | 31.72%-20.9pp | 29.37%-18.6pp | 561.95%-551.1pp |
| Employer contribution / active EE | $2,206 | $3,615-39.0% | $3,024-27.0% | $4,661-52.7% |
| Participant deferral / active EE | $3,693 | $5,732-35.6% | $5,054-26.9% | $6,689-44.8% |
| Admin fee / account holder | $4,503 | $13,318-66.2% | $9,448-52.3% | $13,398-66.4% |