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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 | $46,798 | $209,336-77.6% | $197,124-76.3% | $137,256-65.9% |
| Participation rate | 82.4% | 87.3%-5.0pp | 86.7%-4.4pp | 80.0%+2.4pp |
| Annual return | 21.07% | 48.09%-27.0pp | 44.34%-23.3pp | 220.34%-199.3pp |
| Employer contribution / active EE | $3,635 | $6,591-44.8% | $6,227-41.6% | $4,156-12.5% |
| Participant deferral / active EE | $11,113 | $9,614+15.6% | $9,135+21.7% | $6,407+73.5% |
| Admin fee / account holder | $1,025 | $17,308-94.1% | $16,298-93.7% | $12,270-91.6% |