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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 | $32,783 | $111,814-70.7% | $103,378-68.3% | $145,978-77.5% |
| Participation rate | 94.4% | 77.9%+16.5pp | 74.5%+19.9pp | 80.3%+14.2pp |
| Annual return | 17.63% | 24.80%-7.2pp | 24.91%-7.3pp | 550.52%-532.9pp |
| Employer contribution / active EE | $3,361 | $4,215-20.3% | $3,870-13.2% | $4,662-27.9% |
| Participant deferral / active EE | $5,785 | $5,618+3.0% | $5,058+14.4% | $6,690-13.5% |
| Admin fee / account holder | $857 | $9,764-91.2% | $8,401-89.8% | $13,400-93.6% |