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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 | $76,933 | $156,398-50.8% | $147,318-47.8% | $138,895-44.6% |
| Participation rate | 94.4% | 83.8%+10.7pp | 82.1%+12.4pp | 79.9%+14.5pp |
| Annual return | 20.64% | 78.75%-58.1pp | 70.43%-49.8pp | 145.39%-124.8pp |
| Employer contribution / active EE | $3,808 | $4,853-21.5% | $4,593-17.1% | $4,194-9.2% |
| Participant deferral / active EE | $12,846 | $8,237+55.9% | $7,906+62.5% | $6,396+100.8% |
| Admin fee / account holder | $465 | $14,976-96.9% | $13,708-96.6% | $12,562-96.3% |