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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 | $30,702 | $117,846-73.9% | $102,434-70.0% | $145,884-79.0% |
| Participation rate | 94.7% | 78.6%+16.1pp | 76.5%+18.2pp | 80.3%+14.4pp |
| Annual return | 13.07% | 31.90%-18.8pp | 29.46%-16.4pp | 551.85%-538.8pp |
| Employer contribution / active EE | $2,903 | $3,615-19.7% | $3,023-4.0% | $4,662-37.7% |
| Participant deferral / active EE | $4,752 | $5,733-17.1% | $5,055-6.0% | $6,690-29.0% |
| Admin fee / account holder | $434 | $13,356-96.8% | $9,462-95.4% | $13,392-96.8% |