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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 | $34,380 | $162,136-78.8% | $152,301-77.4% | $154,746-77.8% |
| Participation rate | 87.5% | 84.1%+3.4pp | 82.4%+5.1pp | 80.7%+6.8pp |
| Annual return | 18.29% | 91.02%-72.7pp | 80.50%-62.2pp | 172.34%-154.0pp |
| Employer contribution / active EE | $1,687 | $4,890-65.5% | $4,624-63.5% | $4,379-61.5% |
| Participant deferral / active EE | $3,736 | $8,341-55.2% | $8,004-53.3% | $6,730-44.5% |
| Admin fee / account holder | $4,448 | $15,759-71.8% | $14,398-69.1% | $14,365-69.0% |