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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 | $90,861 | $185,312-51.0% | $161,489-43.7% | $154,746-41.3% |
| Participation rate | 92.9% | 82.5%+10.4pp | 78.7%+14.2pp | 80.7%+12.2pp |
| Annual return | 15.86% | 103.84%-88.0pp | 89.72%-73.9pp | 172.34%-156.5pp |
| Employer contribution / active EE | $1,838 | $4,769-61.5% | $4,268-56.9% | $4,379-58.0% |
| Participant deferral / active EE | $4,820 | $6,350-24.1% | $5,630-14.4% | $6,730-28.4% |
| Admin fee / account holder | $954 | $18,654-94.9% | $16,006-94.0% | $14,365-93.4% |