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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 | $39,441 | $110,240-64.2% | $96,544-59.1% | $139,487-71.7% |
| Participation rate | 90.5% | 78.1%+12.3pp | 76.0%+14.5pp | 80.3%+10.1pp |
| Annual return | 19.23% | 26.41%-7.2pp | 25.88%-6.6pp | 373.84%-354.6pp |
| Employer contribution / active EE | $2,340 | $3,622-35.4% | $2,966-21.1% | $4,755-50.8% |
| Participant deferral / active EE | $9,696 | $5,549+74.7% | $4,851+99.9% | $6,713+44.4% |
| Admin fee / account holder | $11,620 | $11,602+0.2% | $8,254+40.8% | $11,407+1.9% |