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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 | $93,749 | $162,136-42.2% | $152,301-38.4% | $154,746-39.4% |
| Participation rate | 95.8% | 84.1%+11.7pp | 82.4%+13.4pp | 80.7%+15.1pp |
| Annual return | 17.70% | 91.02%-73.3pp | 80.50%-62.8pp | 172.34%-154.6pp |
| Employer contribution / active EE | $3,034 | $4,890-38.0% | $4,624-34.4% | $4,379-30.7% |
| Participant deferral / active EE | $6,347 | $8,341-23.9% | $8,004-20.7% | $6,730-5.7% |
| Admin fee / account holder | $11,106 | $15,759-29.5% | $14,398-22.9% | $14,365-22.7% |