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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 | $55,037 | $107,809-48.9% | $97,032-43.3% | $155,188-64.5% |
| Participation rate | 90.0% | 75.5%+14.5pp | 71.6%+18.4pp | 80.8%+9.2pp |
| Annual return | 13.56% | 38.06%-24.5pp | 35.38%-21.8pp | 148.84%-135.3pp |
| Employer contribution / active EE | $4,084 | $2,911+40.3% | $2,629+55.3% | $4,248-3.9% |
| Participant deferral / active EE | $8,891 | $5,129+73.3% | $4,672+90.3% | $6,531+36.1% |
| Admin fee / account holder | $428 | $10,717-96.0% | $9,418-95.5% | $14,480-97.0% |