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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 | $19,401 | $172,111-88.7% | $150,298-87.1% | $137,256-85.9% |
| Participation rate | 95.0% | 81.7%+13.3pp | 77.8%+17.2pp | 80.0%+15.0pp |
| Annual return | 28.81% | 69.37%-40.6pp | 62.79%-34.0pp | 220.34%-191.5pp |
| Employer contribution / active EE | $1,262 | $4,636-72.8% | $4,154-69.6% | $4,156-69.6% |
| Participant deferral / active EE | $5,524 | $6,166-10.4% | $5,453+1.3% | $6,407-13.8% |
| Admin fee / account holder | $695 | $16,471-95.8% | $14,116-95.1% | $12,270-94.3% |