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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 | $32,380 | $111,535-71.0% | $105,223-69.2% | $137,256-76.4% |
| Participation rate | 78.6% | 78.1%+0.5pp | 75.0%+3.5pp | 80.0%-1.4pp |
| Annual return | 21.55% | 237.85%-216.3pp | 180.65%-159.1pp | 220.34%-198.8pp |
| Employer contribution / active EE | $2,103 | $3,939-46.6% | $3,689-43.0% | $4,156-49.4% |
| Participant deferral / active EE | $3,256 | $5,500-40.8% | $5,072-35.8% | $6,407-49.2% |
| Admin fee / account holder | $594 | $9,721-93.9% | $8,859-93.3% | $12,270-95.2% |