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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 | $21,772 | $172,111-87.4% | $150,298-85.5% | $137,256-84.1% |
| Participation rate | 89.5% | 81.7%+7.8pp | 77.8%+11.7pp | 80.0%+9.5pp |
| Annual return | 21.48% | 69.37%-47.9pp | 62.79%-41.3pp | 220.34%-198.9pp |
| Employer contribution / active EE | $1,653 | $4,636-64.3% | $4,154-60.2% | $4,156-60.2% |
| Participant deferral / active EE | $2,739 | $6,166-55.6% | $5,453-49.8% | $6,407-57.2% |
| Admin fee / account holder | $908 | $16,471-94.5% | $14,116-93.6% | $12,270-92.6% |