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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 | $37,750 | $185,312-79.6% | $161,489-76.6% | $154,746-75.6% |
| Participation rate | 86.4% | 82.5%+3.9pp | 78.7%+7.7pp | 80.7%+5.7pp |
| Annual return | 17.32% | 103.84%-86.5pp | 89.72%-72.4pp | 172.34%-155.0pp |
| Employer contribution / active EE | $2,451 | $4,769-48.6% | $4,268-42.6% | $4,379-44.0% |
| Participant deferral / active EE | $4,546 | $6,350-28.4% | $5,630-19.3% | $6,730-32.5% |
| Admin fee / account holder | $5,213 | $18,654-72.1% | $16,006-67.4% | $14,365-63.7% |