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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 | $98,313 | $181,062-45.7% | $158,223-37.9% | $155,188-36.6% |
| Participation rate | 90.0% | 82.7%+7.3pp | 79.2%+10.8pp | 80.8%+9.2pp |
| Annual return | 14.61% | 57.39%-42.8pp | 52.09%-37.5pp | 148.84%-134.2pp |
| Employer contribution / active EE | $2,017 | $4,565-55.8% | $4,109-50.9% | $4,248-52.5% |
| Participant deferral / active EE | $7,225 | $6,134+17.8% | $5,467+32.1% | $6,531+10.6% |
| Admin fee / account holder | $6,673 | $18,825-64.6% | $16,047-58.4% | $14,480-53.9% |