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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 | $50,074 | $99,053-49.4% | $88,179-43.2% | $138,895-63.9% |
| Participation rate | 93.3% | 74.2%+19.1pp | 69.1%+24.2pp | 79.9%+13.4pp |
| Annual return | 13.83% | 78.17%-64.3pp | 64.97%-51.1pp | 145.39%-131.6pp |
| Employer contribution / active EE | $2,098 | $2,882-27.2% | $2,549-17.7% | $4,194-50.0% |
| Participant deferral / active EE | $4,707 | $5,225-9.9% | $4,614+2.0% | $6,396-26.4% |
| Admin fee / account holder | $8,467 | $8,748-3.2% | $7,673+10.3% | $12,562-32.6% |