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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 | $42,761 | $181,062-76.4% | $158,223-73.0% | $155,188-72.4% |
| Participation rate | 92.9% | 82.7%+10.2pp | 79.2%+13.7pp | 80.8%+12.1pp |
| Annual return | 17.45% | 57.39%-39.9pp | 52.09%-34.6pp | 148.84%-131.4pp |
| Employer contribution / active EE | $2,745 | $4,565-39.9% | $4,109-33.2% | $4,248-35.4% |
| Participant deferral / active EE | $5,631 | $6,134-8.2% | $5,467+3.0% | $6,531-13.8% |
| Admin fee / account holder | $2,935 | $18,825-84.4% | $16,047-81.7% | $14,480-79.7% |