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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 | $32,294 | $135,956-76.2% | $123,894-73.9% | $273,972-88.2% |
| Participation rate | 86.7% | 84.1%+2.6pp | 81.4%+5.3pp | 83.0%+3.7pp |
| Annual return | 8.98% | 56.63%-47.6pp | 47.52%-38.5pp | 41.46%-32.5pp |
| Employer contribution / active EE | $1,258 | $5,170-75.7% | $4,617-72.8% | $4,869-74.2% |
| Participant deferral / active EE | $2,919 | $6,343-54.0% | $5,984-51.2% | $5,287-44.8% |
| Admin fee / account holder | $549 | $9,817-94.4% | $8,357-93.4% | $10,133-94.6% |