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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 | $32,466 | $97,751-66.8% | $103,447-68.6% | $145,877-77.7% |
| Participation rate | 95.7% | 81.1%+14.6pp | 80.5%+15.1pp | 80.3%+15.3pp |
| Annual return | 21.39% | 25.43%-4.0pp | 23.92%-2.5pp | 551.28%-529.9pp |
| Employer contribution / active EE | $3,072 | $4,684-34.4% | $4,678-34.3% | $4,663-34.1% |
| Participant deferral / active EE | $11,405 | $6,603+72.7% | $6,624+72.2% | $6,691+70.5% |
| Admin fee / account holder | $3,411 | $12,515-72.7% | $9,415-63.8% | $13,402-74.5% |