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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 | $35,906 | $117,904-69.5% | $102,457-65.0% | $145,978-75.4% |
| Participation rate | 92.9% | 78.6%+14.3pp | 76.5%+16.4pp | 80.3%+12.6pp |
| Annual return | 11.96% | 31.80%-19.8pp | 29.41%-17.4pp | 550.52%-538.6pp |
| Employer contribution / active EE | $2,720 | $3,613-24.7% | $3,022-10.0% | $4,662-41.7% |
| Participant deferral / active EE | $4,648 | $5,733-18.9% | $5,054-8.0% | $6,690-30.5% |
| Admin fee / account holder | $8,490 | $13,329-36.3% | $9,451-10.2% | $13,400-36.6% |