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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 | $58,208 | $165,399-64.8% | $149,745-61.1% | $158,982-63.4% |
| Participation rate | 92.9% | 84.6%+8.3pp | 82.5%+10.4pp | 82.0%+10.9pp |
| Annual return | 14.67% | 348.34%-333.7pp | 276.72%-262.1pp | 302.99%-288.3pp |
| Employer contribution / active EE | $3,179 | $5,105-37.7% | $4,646-31.6% | $4,763-33.2% |
| Participant deferral / active EE | $4,876 | $7,183-32.1% | $6,843-28.7% | $5,983-18.5% |
| Admin fee / account holder | $3,372 | $10,811-68.8% | $9,312-63.8% | $11,252-70.0% |