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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 | $38,080 | $185,312-79.5% | $161,489-76.4% | $154,746-75.4% |
| Participation rate | 90.9% | 82.5%+8.4pp | 78.7%+12.2pp | 80.7%+10.2pp |
| Annual return | 16.41% | 103.84%-87.4pp | 89.72%-73.3pp | 172.34%-155.9pp |
| Employer contribution / active EE | $1,583 | $4,769-66.8% | $4,268-62.9% | $4,379-63.9% |
| Participant deferral / active EE | $5,729 | $6,350-9.8% | $5,630+1.8% | $6,730-14.9% |
| Admin fee / account holder | $861 | $18,654-95.4% | $16,006-94.6% | $14,365-94.0% |