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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 | $18,616 | $148,629-87.5% | $135,982-86.3% | $139,487-86.7% |
| Participation rate | 94.1% | 83.9%+10.3pp | 81.9%+12.2pp | 80.3%+13.8pp |
| Annual return | 21.78% | 79.33%-57.6pp | 68.32%-46.5pp | 373.84%-352.1pp |
| Employer contribution / active EE | $1,712 | $5,247-67.4% | $4,859-64.8% | $4,755-64.0% |
| Participant deferral / active EE | $5,955 | $8,102-26.5% | $7,760-23.3% | $6,713-11.3% |
| Admin fee / account holder | $836 | $12,406-93.3% | $10,767-92.2% | $11,407-92.7% |