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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 | $27,696 | $90,486-69.4% | $78,676-64.8% | $273,972-89.9% |
| Participation rate | 84.6% | 76.5%+8.1pp | 73.6%+11.1pp | 83.0%+1.6pp |
| Annual return | 12.52% | 75.62%-63.1pp | 62.19%-49.7pp | 41.46%-28.9pp |
| Employer contribution / active EE | $3,962 | $3,175+24.8% | $2,850+39.0% | $4,869-18.6% |
| Participant deferral / active EE | $9,069 | $3,901+132.5% | $3,517+157.9% | $5,287+71.5% |
| Admin fee / account holder | $307 | $5,263-94.2% | $4,510-93.2% | $10,133-97.0% |