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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 | $32,832 | $157,296-79.1% | $141,191-76.7% | $152,897-78.5% |
| Participation rate | 86.7% | 84.8%+1.8pp | 82.5%+4.2pp | 82.5%+4.2pp |
| Annual return | 22.57% | 64.34%-41.8pp | 71.41%-48.8pp | 345.43%-322.9pp |
| Employer contribution / active EE | $939 | $5,262-82.1% | $4,736-80.2% | $4,764-80.3% |
| Participant deferral / active EE | $8,181 | $7,111+15.0% | $6,710+21.9% | $5,851+39.8% |
| Admin fee / account holder | $2,301 | $12,125-81.0% | $10,264-77.6% | $11,599-80.2% |