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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 | $98,354 | $185,312-46.9% | $161,489-39.1% | $154,746-36.4% |
| Participation rate | 95.2% | 82.5%+12.8pp | 78.7%+16.5pp | 80.7%+14.5pp |
| Annual return | 14.78% | 103.84%-89.1pp | 89.72%-74.9pp | 172.34%-157.6pp |
| Employer contribution / active EE | $3,166 | $4,769-33.6% | $4,268-25.8% | $4,379-27.7% |
| Participant deferral / active EE | $4,507 | $6,350-29.0% | $5,630-19.9% | $6,730-33.0% |
| Admin fee / account holder | $3,082 | $18,654-83.5% | $16,006-80.7% | $14,365-78.5% |