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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 | $21,747 | $162,136-86.6% | $152,301-85.7% | $154,746-85.9% |
| Participation rate | 91.7% | 84.1%+7.6pp | 82.4%+9.2pp | 80.7%+11.0pp |
| Annual return | 12.38% | 91.02%-78.6pp | 80.50%-68.1pp | 172.34%-160.0pp |
| Employer contribution / active EE | $1,031 | $4,890-78.9% | $4,624-77.7% | $4,379-76.5% |
| Participant deferral / active EE | $5,647 | $8,341-32.3% | $8,004-29.4% | $6,730-16.1% |
| Admin fee / account holder | $7,642 | $15,759-51.5% | $14,398-46.9% | $14,365-46.8% |