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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 | $84,803 | $156,398-45.8% | $147,318-42.4% | $138,895-38.9% |
| Participation rate | 92.3% | 83.8%+8.6pp | 82.1%+10.2pp | 79.9%+12.4pp |
| Annual return | 13.22% | 78.75%-65.5pp | 70.43%-57.2pp | 145.39%-132.2pp |
| Employer contribution / active EE | $1,760 | $4,853-63.7% | $4,593-61.7% | $4,194-58.0% |
| Participant deferral / active EE | $7,447 | $8,237-9.6% | $7,906-5.8% | $6,396+16.4% |
| Admin fee / account holder | $1,042 | $14,976-93.0% | $13,708-92.4% | $12,562-91.7% |