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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 | $34,614 | $124,330-72.2% | $109,173-68.3% | $167,536-79.3% |
| Participation rate | 95.7% | 79.5%+16.2pp | 75.9%+19.8pp | 82.1%+13.5pp |
| Annual return | 10.75% | 26.04%-15.3pp | 25.75%-15.0pp | 478.82%-468.1pp |
| Employer contribution / active EE | $4,433 | $4,209+5.3% | $3,723+19.1% | $4,839-8.4% |
| Participant deferral / active EE | $3,897 | $5,256-25.9% | $4,654-16.3% | $6,342-38.6% |
| Admin fee / account holder | $1,872 | $7,974-76.5% | $6,755-72.3% | $12,315-84.8% |