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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 | $36,858 | $160,070-77.0% | $147,117-74.9% | $145,897-74.7% |
| Participation rate | 95.8% | 84.0%+11.8pp | 82.2%+13.6pp | 80.3%+15.5pp |
| Annual return | 12.98% | 98.69%-85.7pp | 420.54%-407.6pp | 552.29%-539.3pp |
| Employer contribution / active EE | $2,356 | $5,285-55.4% | $4,932-52.2% | $4,663-49.5% |
| Participant deferral / active EE | $6,819 | $8,419-19.0% | $8,065-15.5% | $6,689+1.9% |
| Admin fee / account holder | $3,851 | $15,035-74.4% | $12,993-70.4% | $13,390-71.2% |