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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 | $19,321 | $172,111-88.8% | $150,298-87.1% | $137,256-85.9% |
| Participation rate | 95.0% | 81.7%+13.3pp | 77.8%+17.2pp | 80.0%+15.0pp |
| Annual return | 18.15% | 69.37%-51.2pp | 62.79%-44.6pp | 220.34%-202.2pp |
| Employer contribution / active EE | $2,189 | $4,636-52.8% | $4,154-47.3% | $4,156-47.3% |
| Participant deferral / active EE | $4,511 | $6,166-26.8% | $5,453-17.3% | $6,407-29.6% |
| Admin fee / account holder | $686 | $16,471-95.8% | $14,116-95.1% | $12,270-94.4% |