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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 | $64,830 | $103,392-37.3% | $87,104-25.6% | $152,897-57.6% |
| Participation rate | 91.7% | 79.4%+12.3pp | 76.9%+14.8pp | 82.5%+9.2pp |
| Annual return | 24.00% | 28.10%-4.1pp | 28.19%-4.2pp | 345.43%-321.4pp |
| Employer contribution / active EE | $2,322 | $3,221-27.9% | $2,521-7.9% | $4,764-51.2% |
| Participant deferral / active EE | $6,491 | $4,778+35.8% | $4,048+60.3% | $5,851+10.9% |
| Admin fee / account holder | $3,929 | $12,194-67.8% | $7,491-47.5% | $11,599-66.1% |