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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 | $33,740 | $157,276-78.5% | $141,177-76.1% | $152,885-77.9% |
| Participation rate | 95.0% | 84.8%+10.2pp | 82.5%+12.5pp | 82.5%+12.5pp |
| Annual return | 21.44% | 64.33%-42.9pp | 71.40%-50.0pp | 345.39%-324.0pp |
| Employer contribution / active EE | $2,409 | $5,262-54.2% | $4,736-49.1% | $4,763-49.4% |
| Participant deferral / active EE | $5,254 | $7,110-26.1% | $6,710-21.7% | $5,851-10.2% |
| Admin fee / account holder | $13,466 | $12,123+11.1% | $10,263+31.2% | $11,598+16.1% |