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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 | $23,146 | $185,312-87.5% | $161,489-85.7% | $154,746-85.0% |
| Participation rate | 95.2% | 82.5%+12.8pp | 78.7%+16.5pp | 80.7%+14.5pp |
| Annual return | 18.23% | 103.84%-85.6pp | 89.72%-71.5pp | 172.34%-154.1pp |
| Employer contribution / active EE | $1,048 | $4,769-78.0% | $4,268-75.4% | $4,379-76.1% |
| Participant deferral / active EE | $2,773 | $6,350-56.3% | $5,630-50.7% | $6,730-58.8% |
| Admin fee / account holder | $735 | $18,654-96.1% | $16,006-95.4% | $14,365-94.9% |