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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 | $33,706 | $106,280-68.3% | $96,538-65.1% | $139,487-75.8% |
| Participation rate | 95.0% | 77.8%+17.2pp | 74.3%+20.7pp | 80.3%+14.7pp |
| Annual return | 17.77% | 38.48%-20.7pp | 35.74%-18.0pp | 373.84%-356.1pp |
| Employer contribution / active EE | $2,378 | $4,107-42.1% | $3,740-36.4% | $4,755-50.0% |
| Participant deferral / active EE | $3,824 | $5,457-29.9% | $4,880-21.6% | $6,713-43.0% |
| Admin fee / account holder | $5,639 | $7,888-28.5% | $6,737-16.3% | $11,407-50.6% |