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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 | $41,674 | $117,859-64.6% | $102,438-59.3% | $145,959-71.4% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 27.59% | 31.72%-4.1pp | 29.37%-1.8pp | 561.95%-534.4pp |
| Employer contribution / active EE | $3,500 | $3,615-3.2% | $3,024+15.8% | $4,661-24.9% |
| Participant deferral / active EE | $8,782 | $5,732+53.2% | $5,054+73.8% | $6,689+31.3% |
| Admin fee / account holder | $11,441 | $13,318-14.1% | $9,448+21.1% | $13,398-14.6% |