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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 | $39,363 | $115,911-66.0% | $100,530-60.8% | $158,950-75.2% |
| Participation rate | 92.9% | 81.6%+11.3pp | 79.4%+13.4pp | 82.0%+10.9pp |
| Annual return | 18.92% | 34.80%-15.9pp | 30.89%-12.0pp | 302.91%-284.0pp |
| Employer contribution / active EE | $2,057 | $4,104-49.9% | $3,418-39.8% | $4,762-56.8% |
| Participant deferral / active EE | $8,848 | $6,676+32.5% | $6,271+41.1% | $5,983+47.9% |
| Admin fee / account holder | $957 | $10,999-91.3% | $8,083-88.2% | $11,248-91.5% |