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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 | $37,112 | $124,980-70.3% | $108,359-65.8% | $154,746-76.0% |
| Participation rate | 95.7% | 75.2%+20.5pp | 70.1%+25.5pp | 80.7%+15.0pp |
| Annual return | 12.00% | 45.00%-33.0pp | 36.89%-24.9pp | 172.34%-160.3pp |
| Employer contribution / active EE | $6,548 | $2,851+129.7% | $2,399+172.9% | $4,379+49.5% |
| Participant deferral / active EE | $3,717 | $4,743-21.6% | $4,137-10.1% | $6,730-44.8% |
| Admin fee / account holder | $454 | $11,502-96.1% | $9,741-95.3% | $14,365-96.8% |