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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 | $27,536 | $110,240-75.0% | $96,544-71.5% | $139,487-80.3% |
| Participation rate | 94.7% | 78.1%+16.6pp | 76.0%+18.8pp | 80.3%+14.4pp |
| Annual return | 11.87% | 26.41%-14.5pp | 25.88%-14.0pp | 373.84%-362.0pp |
| Employer contribution / active EE | $1,192 | $3,622-67.1% | $2,966-59.8% | $4,755-74.9% |
| Participant deferral / active EE | $4,153 | $5,549-25.2% | $4,851-14.4% | $6,713-38.1% |
| Admin fee / account holder | $3,316 | $11,602-71.4% | $8,254-59.8% | $11,407-70.9% |