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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 | $41,980 | $185,312-77.3% | $161,489-74.0% | $154,746-72.9% |
| Participation rate | 80.0% | 82.5%-2.5pp | 78.7%+1.3pp | 80.7%-0.7pp |
| Annual return | 25.03% | 103.84%-78.8pp | 89.72%-64.7pp | 172.34%-147.3pp |
| Employer contribution / active EE | $1,926 | $4,769-59.6% | $4,268-54.9% | $4,379-56.0% |
| Participant deferral / active EE | $9,899 | $6,350+55.9% | $5,630+75.8% | $6,730+47.1% |
| Admin fee / account holder | $3,320 | $18,654-82.2% | $16,006-79.3% | $14,365-76.9% |