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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 | $98,504 | $185,312-46.8% | $161,489-39.0% | $154,746-36.3% |
| Participation rate | 94.7% | 82.5%+12.3pp | 78.7%+16.0pp | 80.7%+14.0pp |
| Annual return | 13.24% | 103.84%-90.6pp | 89.72%-76.5pp | 172.34%-159.1pp |
| Employer contribution / active EE | $2,305 | $4,769-51.7% | $4,268-46.0% | $4,379-47.4% |
| Participant deferral / active EE | $7,020 | $6,350+10.6% | $5,630+24.7% | $6,730+4.3% |
| Admin fee / account holder | $2,063 | $18,654-88.9% | $16,006-87.1% | $14,365-85.6% |