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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 | $160,028-77.0% | $147,080-74.9% | $145,884-74.7% |
| Participation rate | 95.8% | 84.0%+11.8pp | 82.2%+13.7pp | 80.3%+15.5pp |
| Annual return | 12.98% | 98.60%-85.6pp | 420.17%-407.2pp | 551.85%-538.9pp |
| Employer contribution / active EE | $2,356 | $5,286-55.4% | $4,933-52.3% | $4,662-49.5% |
| Participant deferral / active EE | $6,819 | $8,422-19.0% | $8,066-15.5% | $6,690+1.9% |
| Admin fee / account holder | $3,851 | $15,030-74.4% | $12,989-70.4% | $13,392-71.2% |