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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 | $112,824 | $156,398-27.9% | $147,318-23.4% | $138,895-18.8% |
| Participation rate | 91.7% | 83.8%+7.9pp | 82.1%+9.6pp | 79.9%+11.7pp |
| Annual return | 16.42% | 78.75%-62.3pp | 70.43%-54.0pp | 145.39%-129.0pp |
| Employer contribution / active EE | $1,112 | $4,853-77.1% | $4,593-75.8% | $4,194-73.5% |
| Participant deferral / active EE | $4,153 | $8,237-49.6% | $7,906-47.5% | $6,396-35.1% |
| Admin fee / account holder | $8,455 | $14,976-43.5% | $13,708-38.3% | $12,562-32.7% |