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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 | $19,209 | $183,516-89.5% | $155,534-87.6% | $145,884-86.8% |
| Participation rate | 89.5% | 82.7%+6.8pp | 78.2%+11.3pp | 80.3%+9.2pp |
| Annual return | 13.91% | 61.43%-47.5pp | 64.92%-51.0pp | 551.85%-537.9pp |
| Employer contribution / active EE | $1,069 | $5,315-79.9% | $4,675-77.1% | $4,662-77.1% |
| Participant deferral / active EE | $4,206 | $6,467-35.0% | $5,630-25.3% | $6,690-37.1% |
| Admin fee / account holder | $1,122 | $19,293-94.2% | $15,900-92.9% | $13,392-91.6% |