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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 | $20,118 | $73,955-72.8% | $96,520-79.2% | $75,181-73.2% |
| Participation rate | 98.1% | 66.4%+31.7pp | 74.3%+23.7pp | 67.2%+30.9pp |
| Annual return | 21.14% | 26.72%-5.6pp | 35.72%-14.6pp | 160.69%-139.5pp |
| Employer contribution / active EE | $2,662 | $2,930-9.1% | $3,739-28.8% | $2,671-0.3% |
| Participant deferral / active EE | $5,065 | $3,659+38.4% | $4,879+3.8% | $4,126+22.8% |
| Admin fee / account holder | $1,298 | $5,217-75.1% | $6,733-80.7% | $5,650-77.0% |