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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 | $48,121 | $114,119-57.8% | $107,187-55.1% | $138,895-65.4% |
| Participation rate | 86.7% | 78.1%+8.6pp | 75.0%+11.6pp | 79.9%+6.7pp |
| Annual return | 11.79% | 273.21%-261.4pp | 204.55%-192.8pp | 145.39%-133.6pp |
| Employer contribution / active EE | $939 | $4,059-76.9% | $3,782-75.2% | $4,194-77.6% |
| Participant deferral / active EE | $1,896 | $5,538-65.8% | $5,096-62.8% | $6,396-70.4% |
| Admin fee / account holder | $1,857 | $10,024-81.5% | $9,162-79.7% | $12,562-85.2% |