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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 | $109,221 | $185,312-41.1% | $161,489-32.4% | $154,746-29.4% |
| Participation rate | 90.9% | 82.5%+8.4pp | 78.7%+12.2pp | 80.7%+10.2pp |
| Annual return | 19.86% | 103.84%-84.0pp | 89.72%-69.9pp | 172.34%-152.5pp |
| Employer contribution / active EE | $4,039 | $4,769-15.3% | $4,268-5.4% | $4,379-7.8% |
| Participant deferral / active EE | $9,282 | $6,350+46.2% | $5,630+64.9% | $6,730+37.9% |
| Admin fee / account holder | $903 | $18,654-95.2% | $16,006-94.4% | $14,365-93.7% |