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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 | $27,572 | $174,379-84.2% | $152,093-81.9% | $138,895-80.1% |
| Participation rate | 85.0% | 81.6%+3.4pp | 77.8%+7.2pp | 79.9%+5.1pp |
| Annual return | 19.72% | 74.86%-55.1pp | 66.36%-46.6pp | 145.39%-125.7pp |
| Employer contribution / active EE | $2,445 | $4,652-47.4% | $4,175-41.4% | $4,194-41.7% |
| Participant deferral / active EE | $3,413 | $6,159-44.6% | $5,451-37.4% | $6,396-46.6% |
| Admin fee / account holder | $1,388 | $16,880-91.8% | $14,497-90.4% | $12,562-88.9% |