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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 | $185,312-49.6% | $161,489-42.1% | $154,746-39.6% |
| Participation rate | 89.5% | 82.5%+7.0pp | 78.7%+10.8pp | 80.7%+8.8pp |
| Annual return | 15.46% | 103.84%-88.4pp | 89.72%-74.3pp | 172.34%-156.9pp |
| Employer contribution / active EE | $3,072 | $4,769-35.6% | $4,268-28.0% | $4,379-29.8% |
| Participant deferral / active EE | $7,719 | $6,350+21.6% | $5,630+37.1% | $6,730+14.7% |
| Admin fee / account holder | $22,802 | $18,654+22.2% | $16,006+42.5% | $14,365+58.7% |