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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 | $45,089 | $162,136-72.2% | $152,301-70.4% | $154,746-70.9% |
| Participation rate | 90.5% | 84.1%+6.4pp | 82.4%+8.0pp | 80.7%+9.8pp |
| Annual return | 18.74% | 91.02%-72.3pp | 80.50%-61.8pp | 172.34%-153.6pp |
| Employer contribution / active EE | $2,402 | $4,890-50.9% | $4,624-48.1% | $4,379-45.2% |
| Participant deferral / active EE | $11,641 | $8,341+39.6% | $8,004+45.4% | $6,730+73.0% |
| Admin fee / account holder | $1,810 | $15,759-88.5% | $14,398-87.4% | $14,365-87.4% |