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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 | $108,093 | $183,592-41.1% | $155,574-30.5% | $145,877-25.9% |
| Participation rate | 79.2% | 82.7%-3.5pp | 78.2%+1.0pp | 80.3%-1.1pp |
| Annual return | 13.98% | 61.37%-47.4pp | 64.87%-50.9pp | 551.28%-537.3pp |
| Employer contribution / active EE | $3,746 | $5,317-29.5% | $4,676-19.9% | $4,663-19.7% |
| Participant deferral / active EE | $7,196 | $6,466+11.3% | $5,629+27.8% | $6,691+7.5% |
| Admin fee / account holder | $796 | $19,316-95.9% | $15,914-95.0% | $13,402-94.1% |