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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 | $26,816 | $202,440-86.8% | $169,390-84.2% | $139,466-80.8% |
| Participation rate | 90.0% | 81.1%+8.9pp | 77.2%+12.8pp | 80.3%+9.7pp |
| Annual return | 18.40% | 532.36%-514.0pp | 406.07%-387.7pp | 373.66%-355.3pp |
| Employer contribution / active EE | $3,074 | $4,693-34.5% | $4,013-23.4% | $4,754-35.3% |
| Participant deferral / active EE | $4,280 | $6,940-38.3% | $6,222-31.2% | $6,712-36.2% |
| Admin fee / account holder | $771 | $10,722-92.8% | $9,015-91.5% | $11,409-93.2% |