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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 | $35,915 | $111,535-67.8% | $105,223-65.9% | $137,256-73.8% |
| Participation rate | 95.7% | 78.1%+17.6pp | 75.0%+20.6pp | 80.0%+15.7pp |
| Annual return | 18.16% | 237.85%-219.7pp | 180.65%-162.5pp | 220.34%-202.2pp |
| Employer contribution / active EE | $2,371 | $3,939-39.8% | $3,689-35.7% | $4,156-43.0% |
| Participant deferral / active EE | $3,366 | $5,500-38.8% | $5,072-33.6% | $6,407-47.5% |
| Admin fee / account holder | $1,908 | $9,721-80.4% | $8,859-78.5% | $12,270-84.5% |