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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 | $93,348 | $178,174-47.6% | $156,181-40.2% | $137,256-32.0% |
| Participation rate | 90.9% | 82.0%+8.9pp | 78.8%+12.1pp | 80.0%+10.9pp |
| Annual return | 16.08% | 84.19%-68.1pp | 64.87%-48.8pp | 220.34%-204.3pp |
| Employer contribution / active EE | $2,545 | $4,972-48.8% | $4,294-40.7% | $4,156-38.8% |
| Participant deferral / active EE | $8,568 | $6,888+24.4% | $6,132+39.7% | $6,407+33.7% |
| Admin fee / account holder | $4,663 | $17,404-73.2% | $14,586-68.0% | $12,270-62.0% |