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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 | $31,453 | $183,627-82.9% | $155,602-79.8% | $145,978-78.5% |
| Participation rate | 91.7% | 82.7%+9.0pp | 78.2%+13.5pp | 80.3%+11.4pp |
| Annual return | 18.22% | 61.32%-43.1pp | 64.81%-46.6pp | 550.52%-532.3pp |
| Employer contribution / active EE | $3,317 | $5,316-37.6% | $4,675-29.1% | $4,662-28.8% |
| Participant deferral / active EE | $5,642 | $6,466-12.7% | $5,629+0.2% | $6,690-15.7% |
| Admin fee / account holder | $1,861 | $19,327-90.4% | $15,923-88.3% | $13,400-86.1% |