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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 | $14,970 | $110,379-86.4% | $102,412-85.4% | $145,884-89.7% |
| Participation rate | 92.3% | 77.9%+14.4pp | 74.5%+17.8pp | 80.3%+12.0pp |
| Annual return | 17.61% | 24.84%-7.2pp | 24.94%-7.3pp | 551.85%-534.2pp |
| Employer contribution / active EE | $3,938 | $4,216-6.6% | $3,870+1.8% | $4,662-15.5% |
| Participant deferral / active EE | $5,501 | $5,622-2.1% | $5,060+8.7% | $6,690-17.8% |
| Admin fee / account holder | $484 | $9,745-95.0% | $8,388-94.2% | $13,392-96.4% |