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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 | $20,945 | $112,729-81.4% | $98,716-78.8% | $137,256-84.7% |
| Participation rate | 89.5% | 74.2%+15.2pp | 69.3%+20.2pp | 80.0%+9.5pp |
| Annual return | 33.71% | 38.48%-4.8pp | 31.81%+1.9pp | 220.34%-186.6pp |
| Employer contribution / active EE | $3,172 | $2,725+16.4% | $2,279+39.2% | $4,156-23.7% |
| Participant deferral / active EE | $10,338 | $4,640+122.8% | $4,048+155.4% | $6,407+61.4% |
| Admin fee / account holder | $674 | $10,129-93.3% | $8,703-92.3% | $12,270-94.5% |