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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 | $93,466 | $174,379-46.4% | $152,093-38.5% | $138,895-32.7% |
| Participation rate | 89.5% | 81.6%+7.8pp | 77.8%+11.7pp | 79.9%+9.6pp |
| Annual return | 15.46% | 74.86%-59.4pp | 66.36%-50.9pp | 145.39%-129.9pp |
| Employer contribution / active EE | $3,072 | $4,652-34.0% | $4,175-26.4% | $4,194-26.8% |
| Participant deferral / active EE | $7,719 | $6,159+25.3% | $5,451+41.6% | $6,396+20.7% |
| Admin fee / account holder | $22,802 | $16,880+35.1% | $14,497+57.3% | $12,562+81.5% |