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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 | $51,996 | $185,312-71.9% | $161,489-67.8% | $154,746-66.4% |
| Participation rate | 88.9% | 82.5%+6.4pp | 78.7%+10.2pp | 80.7%+8.2pp |
| Annual return | 18.62% | 103.84%-85.2pp | 89.72%-71.1pp | 172.34%-153.7pp |
| Employer contribution / active EE | $1,274 | $4,769-73.3% | $4,268-70.2% | $4,379-70.9% |
| Participant deferral / active EE | $4,363 | $6,350-31.3% | $5,630-22.5% | $6,730-35.2% |
| Admin fee / account holder | $678 | $18,654-96.4% | $16,006-95.8% | $14,365-95.3% |