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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 | $31,492 | $110,307-71.5% | $96,576-67.4% | $139,456-77.4% |
| Participation rate | 94.7% | 78.1%+16.6pp | 76.0%+18.8pp | 80.3%+14.4pp |
| Annual return | 10.65% | 26.40%-15.8pp | 25.87%-15.2pp | 373.45%-362.8pp |
| Employer contribution / active EE | $2,311 | $3,619-36.1% | $2,965-22.1% | $4,753-51.4% |
| Participant deferral / active EE | $4,992 | $5,547-10.0% | $4,851+2.9% | $6,711-25.6% |
| Admin fee / account holder | $2,387 | $11,597-79.4% | $8,253-71.1% | $11,407-79.1% |