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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 | $22,582 | $129,737-82.6% | $119,126-81.0% | $154,746-85.4% |
| Participation rate | 91.7% | 78.9%+12.8pp | 75.8%+15.9pp | 80.7%+11.0pp |
| Annual return | 15.01% | 379.08%-364.1pp | 282.11%-267.1pp | 172.34%-157.3pp |
| Employer contribution / active EE | $2,590 | $4,375-40.8% | $4,034-35.8% | $4,379-40.9% |
| Participant deferral / active EE | $3,946 | $5,842-32.5% | $5,318-25.8% | $6,730-41.4% |
| Admin fee / account holder | $596 | $11,961-95.0% | $10,693-94.4% | $14,365-95.9% |