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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 | $99,402 | $154,228-35.5% | $145,433-31.7% | $137,256-27.6% |
| Participation rate | 90.0% | 83.8%+6.2pp | 82.1%+7.9pp | 80.0%+10.0pp |
| Annual return | 16.49% | 74.59%-58.1pp | 66.58%-50.1pp | 220.34%-203.9pp |
| Employer contribution / active EE | $2,730 | $4,804-43.2% | $4,554-40.1% | $4,156-34.3% |
| Participant deferral / active EE | $11,690 | $8,216+42.3% | $7,897+48.0% | $6,407+82.5% |
| Admin fee / account holder | $1,267 | $14,344-91.2% | $13,129-90.4% | $12,270-89.7% |