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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 | $47,937 | $162,136-70.4% | $152,301-68.5% | $154,746-69.0% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 15.93% | 91.02%-75.1pp | 80.50%-64.6pp | 172.34%-156.4pp |
| Employer contribution / active EE | $2,619 | $4,890-46.4% | $4,624-43.4% | $4,379-40.2% |
| Participant deferral / active EE | $12,876 | $8,341+54.4% | $8,004+60.9% | $6,730+91.3% |
| Admin fee / account holder | $981 | $15,759-93.8% | $14,398-93.2% | $14,365-93.2% |