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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 | $32,482 | $110,410-70.6% | $102,437-68.3% | $145,897-77.7% |
| Participation rate | 93.8% | 77.9%+15.8pp | 74.5%+19.2pp | 80.3%+13.4pp |
| Annual return | 10.03% | 24.85%-14.8pp | 24.95%-14.9pp | 552.29%-542.3pp |
| Employer contribution / active EE | $2,762 | $4,217-34.5% | $3,871-28.6% | $4,663-40.8% |
| Participant deferral / active EE | $8,740 | $5,622+55.5% | $5,060+72.7% | $6,689+30.7% |
| Admin fee / account holder | $10,698 | $9,745+9.8% | $8,388+27.5% | $13,390-20.1% |