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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 | $48,324 | $110,337-56.2% | $102,383-52.8% | $145,877-66.9% |
| Participation rate | 90.9% | 77.9%+13.0pp | 74.5%+16.4pp | 80.3%+10.6pp |
| Annual return | 14.47% | 24.83%-10.4pp | 24.94%-10.5pp | 551.28%-536.8pp |
| Employer contribution / active EE | $2,915 | $4,216-30.9% | $3,870-24.7% | $4,663-37.5% |
| Participant deferral / active EE | $8,787 | $5,621+56.3% | $5,060+73.7% | $6,691+31.3% |
| Admin fee / account holder | $4,060 | $9,750-58.4% | $8,391-51.6% | $13,402-69.7% |