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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 | $19,352 | $76,407-74.7% | $150,298-87.1% | $82,448-76.5% |
| Participation rate | 79.2% | 66.4%+12.8pp | 77.8%+1.5pp | 68.1%+11.2pp |
| Annual return | 31.99% | 39.99%-8.0pp | 62.79%-30.8pp | 41.64%-9.6pp |
| Employer contribution / active EE | $2,191 | $2,614-16.2% | $4,154-47.3% | $2,551-14.1% |
| Participant deferral / active EE | $3,436 | $3,214+6.9% | $5,453-37.0% | $4,139-17.0% |
| Admin fee / account holder | $1,584 | $6,352-75.1% | $14,116-88.8% | $7,234-78.1% |