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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 | $39,517 | $185,312-78.7% | $161,489-75.5% | $154,746-74.5% |
| Participation rate | 91.7% | 82.5%+9.2pp | 78.7%+13.0pp | 80.7%+11.0pp |
| Annual return | 16.43% | 103.84%-87.4pp | 89.72%-73.3pp | 172.34%-155.9pp |
| Employer contribution / active EE | $2,595 | $4,769-45.6% | $4,268-39.2% | $4,379-40.7% |
| Participant deferral / active EE | $3,243 | $6,350-48.9% | $5,630-42.4% | $6,730-51.8% |
| Admin fee / account holder | $339 | $18,654-98.2% | $16,006-97.9% | $14,365-97.6% |