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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 | $24,468 | $172,111-85.8% | $150,298-83.7% | $137,256-82.2% |
| Participation rate | 90.9% | 81.7%+9.2pp | 77.8%+13.1pp | 80.0%+10.9pp |
| Annual return | 21.56% | 69.37%-47.8pp | 62.79%-41.2pp | 220.34%-198.8pp |
| Employer contribution / active EE | $1,858 | $4,636-59.9% | $4,154-55.3% | $4,156-55.3% |
| Participant deferral / active EE | $8,157 | $6,166+32.3% | $5,453+49.6% | $6,407+27.3% |
| Admin fee / account holder | $2,880 | $16,471-82.5% | $14,116-79.6% | $12,270-76.5% |