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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 | $43,790 | $117,895-62.9% | $102,460-57.3% | $145,897-70.0% |
| Participation rate | 95.5% | 78.6%+16.8pp | 76.5%+18.9pp | 80.3%+15.1pp |
| Annual return | 19.85% | 31.92%-12.1pp | 29.47%-9.6pp | 552.29%-532.4pp |
| Employer contribution / active EE | $2,888 | $3,619-20.2% | $3,025-4.5% | $4,663-38.1% |
| Participant deferral / active EE | $9,354 | $5,736+63.1% | $5,056+85.0% | $6,689+39.8% |
| Admin fee / account holder | $2,099 | $13,353-84.3% | $9,460-77.8% | $13,390-84.3% |