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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 | $22,693 | $156,398-85.5% | $147,318-84.6% | $138,895-83.7% |
| Participation rate | 86.4% | 83.8%+2.6pp | 82.1%+4.3pp | 79.9%+6.4pp |
| Annual return | 19.97% | 78.75%-58.8pp | 70.43%-50.5pp | 145.39%-125.4pp |
| Employer contribution / active EE | $1,584 | $4,853-67.4% | $4,593-65.5% | $4,194-62.2% |
| Participant deferral / active EE | $5,361 | $8,237-34.9% | $7,906-32.2% | $6,396-16.2% |
| Admin fee / account holder | $2,564 | $14,976-82.9% | $13,708-81.3% | $12,562-79.6% |