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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 | $12,457 | $172,111-92.8% | $150,298-91.7% | $137,256-90.9% |
| Participation rate | 81.0% | 81.7%-0.8pp | 77.8%+3.2pp | 80.0%+1.0pp |
| Annual return | 22.18% | 69.37%-47.2pp | 62.79%-40.6pp | 220.34%-198.2pp |
| Employer contribution / active EE | $1,260 | $4,636-72.8% | $4,154-69.7% | $4,156-69.7% |
| Participant deferral / active EE | $3,483 | $6,166-43.5% | $5,453-36.1% | $6,407-45.6% |
| Admin fee / account holder | $3,687 | $16,471-77.6% | $14,116-73.9% | $12,270-70.0% |