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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 | $32,716 | $110,240-70.3% | $96,544-66.1% | $139,487-76.5% |
| Participation rate | 92.9% | 78.1%+14.7pp | 76.0%+16.9pp | 80.3%+12.5pp |
| Annual return | 13.83% | 26.41%-12.6pp | 25.88%-12.1pp | 373.84%-360.0pp |
| Employer contribution / active EE | $2,468 | $3,622-31.9% | $2,966-16.8% | $4,755-48.1% |
| Participant deferral / active EE | $4,447 | $5,549-19.9% | $4,851-8.3% | $6,713-33.7% |
| Admin fee / account holder | $3,204 | $11,602-72.4% | $8,254-61.2% | $11,407-71.9% |