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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 | $50,071 | $117,846-57.5% | $102,434-51.1% | $145,884-65.7% |
| Participation rate | 90.5% | 78.6%+11.9pp | 76.5%+14.0pp | 80.3%+10.2pp |
| Annual return | 17.75% | 31.90%-14.1pp | 29.46%-11.7pp | 551.85%-534.1pp |
| Employer contribution / active EE | $3,456 | $3,615-4.4% | $3,023+14.3% | $4,662-25.9% |
| Participant deferral / active EE | $9,568 | $5,733+66.9% | $5,055+89.3% | $6,690+43.0% |
| Admin fee / account holder | $7,172 | $13,356-46.3% | $9,462-24.2% | $13,392-46.4% |