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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 | $40,149 | $110,212-63.6% | $96,534-58.4% | $139,466-71.2% |
| Participation rate | 95.2% | 78.1%+17.1pp | 76.0%+19.3pp | 80.3%+14.9pp |
| Annual return | 13.77% | 26.42%-12.6pp | 25.88%-12.1pp | 373.66%-359.9pp |
| Employer contribution / active EE | $1,325 | $3,620-63.4% | $2,965-55.3% | $4,754-72.1% |
| Participant deferral / active EE | $5,303 | $5,547-4.4% | $4,851+9.3% | $6,712-21.0% |
| Admin fee / account holder | $3,243 | $11,599-72.0% | $8,253-60.7% | $11,409-71.6% |