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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 | $40,922 | $165,399-75.3% | $149,745-72.7% | $158,982-74.3% |
| Participation rate | 95.0% | 84.6%+10.4pp | 82.5%+12.5pp | 82.0%+13.0pp |
| Annual return | 16.06% | 348.34%-332.3pp | 276.72%-260.7pp | 302.99%-286.9pp |
| Employer contribution / active EE | $1,027 | $5,105-79.9% | $4,646-77.9% | $4,763-78.4% |
| Participant deferral / active EE | $2,926 | $7,183-59.3% | $6,843-57.2% | $5,983-51.1% |
| Admin fee / account holder | $531 | $10,811-95.1% | $9,312-94.3% | $11,252-95.3% |