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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 | $117,846-75.6% | $102,434-71.9% | $145,884-80.3% |
| Participation rate | 94.4% | 78.6%+15.8pp | 76.5%+17.9pp | 80.3%+14.1pp |
| Annual return | 10.81% | 31.90%-21.1pp | 29.46%-18.6pp | 551.85%-541.0pp |
| Employer contribution / active EE | $2,206 | $3,615-39.0% | $3,023-27.0% | $4,662-52.7% |
| Participant deferral / active EE | $3,693 | $5,733-35.6% | $5,055-26.9% | $6,690-44.8% |
| Admin fee / account holder | $4,503 | $13,356-66.3% | $9,462-52.4% | $13,392-66.4% |