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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 | $15,254 | $114,013-86.6% | $103,693-85.3% | $155,188-90.2% |
| Participation rate | 95.0% | 75.2%+19.8pp | 72.6%+22.4pp | 80.8%+14.2pp |
| Annual return | 20.13% | 49.31%-29.2pp | 47.61%-27.5pp | 148.84%-128.7pp |
| Employer contribution / active EE | $2,069 | $3,131-33.9% | $2,920-29.1% | $4,248-51.3% |
| Participant deferral / active EE | $3,511 | $4,970-29.4% | $4,579-23.3% | $6,531-46.2% |
| Admin fee / account holder | $3,596 | $8,407-57.2% | $7,858-54.2% | $14,480-75.2% |