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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 | $35,358 | $172,111-79.5% | $150,298-76.5% | $137,256-74.2% |
| Participation rate | 92.3% | 81.7%+10.6pp | 77.8%+14.5pp | 80.0%+12.3pp |
| Annual return | 21.56% | 69.37%-47.8pp | 62.79%-41.2pp | 220.34%-198.8pp |
| Employer contribution / active EE | $2,749 | $4,636-40.7% | $4,154-33.8% | $4,156-33.9% |
| Participant deferral / active EE | $4,177 | $6,166-32.2% | $5,453-23.4% | $6,407-34.8% |
| Admin fee / account holder | $1,663 | $16,471-89.9% | $14,116-88.2% | $12,270-86.4% |