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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 | $135,481 | $185,312-26.9% | $161,489-16.1% | $154,746-12.4% |
| Participation rate | 91.7% | 82.5%+9.2pp | 78.7%+13.0pp | 80.7%+11.0pp |
| Annual return | 17.07% | 103.84%-86.8pp | 89.72%-72.7pp | 172.34%-155.3pp |
| Employer contribution / active EE | $3,378 | $4,769-29.2% | $4,268-20.9% | $4,379-22.9% |
| Participant deferral / active EE | $8,832 | $6,350+39.1% | $5,630+56.9% | $6,730+31.2% |
| Admin fee / account holder | $2,413 | $18,654-87.1% | $16,006-84.9% | $14,365-83.2% |