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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 | $52,139 | $110,379-52.8% | $102,412-49.1% | $145,884-64.3% |
| Participation rate | 88.2% | 77.9%+10.3pp | 74.5%+13.7pp | 80.3%+7.9pp |
| Annual return | 13.25% | 24.84%-11.6pp | 24.94%-11.7pp | 551.85%-538.6pp |
| Employer contribution / active EE | $2,261 | $4,216-46.4% | $3,870-41.6% | $4,662-51.5% |
| Participant deferral / active EE | $5,290 | $5,622-5.9% | $5,060+4.5% | $6,690-20.9% |
| Admin fee / account holder | $1,335 | $9,745-86.3% | $8,388-84.1% | $13,392-90.0% |