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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 | $37,926 | $100,970-62.4% | $96,576-60.7% | $137,256-72.4% |
| Participation rate | 94.4% | 82.6%+11.8pp | 81.4%+13.0pp | 80.0%+14.5pp |
| Annual return | 39.48% | 38.16%+1.3pp | 38.47%+1.0pp | 220.34%-180.9pp |
| Employer contribution / active EE | $6,331 | $3,809+66.2% | $3,553+78.2% | $4,156+52.3% |
| Participant deferral / active EE | $10,518 | $8,286+26.9% | $7,956+32.2% | $6,407+64.2% |
| Admin fee / account holder | $2,299 | $11,312-79.7% | $11,381-79.8% | $12,270-81.3% |