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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 | $121,447 | $78,423+54.9% | $95,964+26.6% | $79,856+52.1% |
| Participation rate | 97.6% | 73.5%+24.1pp | 77.1%+20.5pp | 69.6%+28.0pp |
| Annual return | 17.96% | 19.37%-1.4pp | 91.64%-73.7pp | 31.71%-13.7pp |
| Employer contribution / active EE | $808 | $1,945-58.4% | $2,541-68.2% | $2,471-67.3% |
| Participant deferral / active EE | $6,030 | $3,440+75.3% | $4,167+44.7% | $3,741+61.2% |
| Admin fee / account holder | $4,869 | $5,622-13.4% | $6,797-28.4% | $5,306-8.2% |