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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 | $27,372 | $93,345-70.7% | $119,126-77.0% | $87,485-68.7% |
| Participation rate | 75.9% | 68.7%+7.1pp | 75.8%+0.1pp | 68.9%+6.9pp |
| Annual return | 19.53% | 19.08%+0.4pp | 282.11%-262.6pp | 26.06%-6.5pp |
| Employer contribution / active EE | $3,532 | $3,172+11.4% | $4,034-12.4% | $2,596+36.0% |
| Participant deferral / active EE | $5,491 | $4,099+34.0% | $5,318+3.3% | $4,274+28.5% |
| Admin fee / account holder | $12,638 | $8,039+57.2% | $10,693+18.2% | $7,775+62.6% |