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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 | $120,176 | $185,312-35.1% | $161,489-25.6% | $154,746-22.3% |
| Participation rate | 82.4% | 82.5%-0.1pp | 78.7%+3.7pp | 80.7%+1.7pp |
| Annual return | 17.60% | 103.84%-86.2pp | 89.72%-72.1pp | 172.34%-154.7pp |
| Employer contribution / active EE | $2,845 | $4,769-40.4% | $4,268-33.4% | $4,379-35.0% |
| Participant deferral / active EE | $9,533 | $6,350+50.1% | $5,630+69.3% | $6,730+41.6% |
| Admin fee / account holder | $1,247 | $18,654-93.3% | $16,006-92.2% | $14,365-91.3% |