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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 | $49,632 | $162,821-69.5% | $133,978-63.0% | $158,982-68.8% |
| Participation rate | 95.5% | 83.2%+12.2pp | 79.8%+15.6pp | 82.0%+13.5pp |
| Annual return | 13.27% | 41.95%-28.7pp | 45.10%-31.8pp | 302.99%-289.7pp |
| Employer contribution / active EE | $4,543 | $4,976-8.7% | $3,919+15.9% | $4,763-4.6% |
| Participant deferral / active EE | $3,359 | $5,910-43.2% | $5,047-33.4% | $5,983-43.9% |
| Admin fee / account holder | $3,676 | $11,742-68.7% | $8,930-58.8% | $11,252-67.3% |