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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 | $44,788 | $106,247-57.8% | $96,515-53.6% | $139,466-67.9% |
| Participation rate | 95.7% | 77.8%+17.8pp | 74.3%+21.3pp | 80.3%+15.3pp |
| Annual return | 21.07% | 38.47%-17.4pp | 35.73%-14.7pp | 373.66%-352.6pp |
| Employer contribution / active EE | $4,353 | $4,106+6.0% | $3,740+16.4% | $4,754-8.4% |
| Participant deferral / active EE | $11,184 | $5,456+105.0% | $4,880+129.2% | $6,712+66.6% |
| Admin fee / account holder | $3,136 | $7,885-60.2% | $6,735-53.4% | $11,409-72.5% |