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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 | $107,717 | $90,486+19.0% | $78,676+36.9% | $273,972-60.7% |
| Participation rate | 87.5% | 76.5%+11.0pp | 73.6%+13.9pp | 83.0%+4.5pp |
| Annual return | 8.66% | 75.62%-67.0pp | 62.19%-53.5pp | 41.46%-32.8pp |
| Employer contribution / active EE | $2,293 | $3,175-27.8% | $2,850-19.5% | $4,869-52.9% |
| Participant deferral / active EE | $4,411 | $3,901+13.1% | $3,517+25.4% | $5,287-16.6% |
| Admin fee / account holder | $3,149 | $5,263-40.2% | $4,510-30.2% | $10,133-68.9% |