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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 | $17,526 | $102,938-83.0% | $94,105-81.4% | $138,895-87.4% |
| Participation rate | 95.2% | 74.6%+20.6pp | 71.9%+23.3pp | 79.9%+15.3pp |
| Annual return | 12.12% | 250.28%-238.2pp | 204.55%-192.4pp | 145.39%-133.3pp |
| Employer contribution / active EE | $1,493 | $2,732-45.3% | $2,504-40.4% | $4,194-64.4% |
| Participant deferral / active EE | $4,543 | $4,196+8.3% | $3,881+17.1% | $6,396-29.0% |
| Admin fee / account holder | $747 | $6,600-88.7% | $6,199-88.0% | $12,562-94.1% |