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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 | $49,483 | $114,119-56.6% | $107,187-53.8% | $138,895-64.4% |
| Participation rate | 94.1% | 78.1%+16.0pp | 75.0%+19.1pp | 79.9%+14.2pp |
| Annual return | 21.33% | 273.21%-251.9pp | 204.55%-183.2pp | 145.39%-124.1pp |
| Employer contribution / active EE | $2,459 | $4,059-39.4% | $3,782-35.0% | $4,194-41.4% |
| Participant deferral / active EE | $8,639 | $5,538+56.0% | $5,096+69.5% | $6,396+35.1% |
| Admin fee / account holder | $951 | $10,024-90.5% | $9,162-89.6% | $12,562-92.4% |