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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 | $39,003 | $226,105-82.7% | $182,540-78.6% | $152,897-74.5% |
| Participation rate | 81.3% | 82.5%-1.2pp | 78.0%+3.3pp | 82.5%-1.2pp |
| Annual return | 19.05% | 192.58%-173.5pp | 148.58%-129.5pp | 345.43%-326.4pp |
| Employer contribution / active EE | $1,816 | $4,978-63.5% | $4,076-55.5% | $4,764-61.9% |
| Participant deferral / active EE | $3,176 | $6,370-50.1% | $5,525-42.5% | $5,851-45.7% |
| Admin fee / account holder | $357 | $10,706-96.7% | $8,593-95.8% | $11,599-96.9% |