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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 | $22,649 | $100,125-77.4% | $81,482-72.2% | $145,978-84.5% |
| Participation rate | 85.0% | 74.2%+10.8pp | 69.5%+15.5pp | 80.3%+4.7pp |
| Annual return | 11.41% | 34.44%-23.0pp | 24.79%-13.4pp | 550.52%-539.1pp |
| Employer contribution / active EE | $4,616 | $2,977+55.0% | $2,463+87.4% | $4,662-1.0% |
| Participant deferral / active EE | $3,922 | $4,609-14.9% | $3,885+0.9% | $6,690-41.4% |
| Admin fee / account holder | $557 | $8,198-93.2% | $5,761-90.3% | $13,400-95.8% |