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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 | $22,820 | $110,410-79.3% | $102,437-77.7% | $145,897-84.4% |
| Participation rate | 90.9% | 77.9%+13.0pp | 74.5%+16.4pp | 80.3%+10.6pp |
| Annual return | 18.48% | 24.85%-6.4pp | 24.95%-6.5pp | 552.29%-533.8pp |
| Employer contribution / active EE | $3,016 | $4,217-28.5% | $3,871-22.1% | $4,663-35.3% |
| Participant deferral / active EE | $3,862 | $5,622-31.3% | $5,060-23.7% | $6,689-42.3% |
| Admin fee / account holder | $490 | $9,745-95.0% | $8,388-94.2% | $13,390-96.3% |