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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 | $14,123 | $112,729-87.5% | $98,716-85.7% | $137,256-89.7% |
| Participation rate | 88.9% | 74.2%+14.7pp | 69.3%+19.6pp | 80.0%+8.9pp |
| Annual return | 23.22% | 38.48%-15.3pp | 31.81%-8.6pp | 220.34%-197.1pp |
| Employer contribution / active EE | $2,990 | $2,725+9.7% | $2,279+31.2% | $4,156-28.1% |
| Participant deferral / active EE | $3,933 | $4,640-15.2% | $4,048-2.8% | $6,407-38.6% |
| Admin fee / account holder | $1,896 | $10,129-81.3% | $8,703-78.2% | $12,270-84.5% |