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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 | $24,201 | $165,381-85.4% | $149,730-83.8% | $158,966-84.8% |
| Participation rate | 93.8% | 84.6%+9.2pp | 82.5%+11.3pp | 82.0%+11.8pp |
| Annual return | 14.68% | 348.29%-333.6pp | 276.70%-262.0pp | 302.95%-288.3pp |
| Employer contribution / active EE | $3,224 | $5,104-36.8% | $4,645-30.6% | $4,762-32.3% |
| Participant deferral / active EE | $5,721 | $7,182-20.4% | $6,843-16.4% | $5,983-4.4% |
| Admin fee / account holder | $693 | $10,809-93.6% | $9,310-92.6% | $11,250-93.8% |