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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 | $23,050 | $106,280-78.3% | $96,538-76.1% | $139,487-83.5% |
| Participation rate | 90.0% | 77.8%+12.2pp | 74.3%+15.7pp | 80.3%+9.7pp |
| Annual return | 21.38% | 38.48%-17.1pp | 35.74%-14.4pp | 373.84%-352.5pp |
| Employer contribution / active EE | $2,380 | $4,107-42.1% | $3,740-36.4% | $4,755-50.0% |
| Participant deferral / active EE | $5,652 | $5,457+3.6% | $4,880+15.8% | $6,713-15.8% |
| Admin fee / account holder | $1,242 | $7,888-84.3% | $6,737-81.6% | $11,407-89.1% |