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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 | $27,980 | $114,119-75.5% | $107,187-73.9% | $138,895-79.9% |
| Participation rate | 90.9% | 78.1%+12.8pp | 75.0%+15.9pp | 79.9%+11.0pp |
| Annual return | 19.35% | 273.21%-253.9pp | 204.55%-185.2pp | 145.39%-126.0pp |
| Employer contribution / active EE | $1,984 | $4,059-51.1% | $3,782-47.5% | $4,194-52.7% |
| Participant deferral / active EE | $5,843 | $5,538+5.5% | $5,096+14.7% | $6,396-8.6% |
| Admin fee / account holder | $389 | $10,024-96.1% | $9,162-95.8% | $12,562-96.9% |