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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 | $29,025 | $125,778-76.9% | $114,563-74.7% | $154,746-81.2% |
| Participation rate | 86.4% | 75.2%+11.2pp | 72.9%+13.5pp | 80.7%+5.7pp |
| Annual return | 17.48% | 295.14%-277.7pp | 241.09%-223.6pp | 172.34%-154.9pp |
| Employer contribution / active EE | $762 | $2,806-72.9% | $2,592-70.6% | $4,379-82.6% |
| Participant deferral / active EE | $2,370 | $4,445-46.7% | $4,142-42.8% | $6,730-64.8% |
| Admin fee / account holder | $2,034 | $8,190-75.2% | $7,623-73.3% | $14,365-85.8% |