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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 | $117,904-62.9% | $102,457-57.3% | $145,978-70.0% |
| Participation rate | 95.5% | 78.6%+16.9pp | 76.5%+19.0pp | 80.3%+15.2pp |
| Annual return | 19.85% | 31.80%-11.9pp | 29.41%-9.6pp | 550.52%-530.7pp |
| Employer contribution / active EE | $2,888 | $3,613-20.1% | $3,022-4.4% | $4,662-38.1% |
| Participant deferral / active EE | $9,354 | $5,733+63.1% | $5,054+85.1% | $6,690+39.8% |
| Admin fee / account holder | $2,099 | $13,329-84.2% | $9,451-77.8% | $13,400-84.3% |