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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 | $32,331 | $162,136-80.1% | $152,301-78.8% | $154,746-79.1% |
| Participation rate | 89.5% | 84.1%+5.4pp | 82.4%+7.0pp | 80.7%+8.8pp |
| Annual return | 13.81% | 91.02%-77.2pp | 80.50%-66.7pp | 172.34%-158.5pp |
| Employer contribution / active EE | $2,364 | $4,890-51.7% | $4,624-48.9% | $4,379-46.0% |
| Participant deferral / active EE | $3,757 | $8,341-55.0% | $8,004-53.1% | $6,730-44.2% |
| Admin fee / account holder | $799 | $15,759-94.9% | $14,398-94.4% | $14,365-94.4% |