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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 | $22,058 | $100,901-78.1% | $75,501-70.8% | $147,586-85.1% |
| Participation rate | 94.7% | 77.1%+17.6pp | 72.4%+22.4pp | 82.8%+11.9pp |
| Annual return | 18.90% | 35.78%-16.9pp | 27.35%-8.5pp | 578.59%-559.7pp |
| Employer contribution / active EE | $3,770 | $3,253+15.9% | $2,352+60.3% | $4,876-22.7% |
| Participant deferral / active EE | $3,786 | $4,027-6.0% | $3,142+20.5% | $5,439-30.4% |
| Admin fee / account holder | $307 | $11,285-97.3% | $5,801-94.7% | $10,886-97.2% |