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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 | $48,315 | $156,616-69.2% | $133,346-63.8% | $198,609-75.7% |
| Participation rate | 90.5% | 77.7%+12.8pp | 72.8%+17.6pp | 82.4%+8.1pp |
| Annual return | 14.21% | 44.25%-30.0pp | 36.85%-22.6pp | 202.70%-188.5pp |
| Employer contribution / active EE | $1,143 | $3,368-66.1% | $2,853-59.9% | $5,055-77.4% |
| Participant deferral / active EE | $2,028 | $4,920-58.8% | $4,332-53.2% | $6,977-70.9% |
| Admin fee / account holder | $738 | $17,468-95.8% | $14,264-94.8% | $19,030-96.1% |