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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 | $62,402 | $209,336-70.2% | $197,124-68.3% | $137,256-54.5% |
| Participation rate | 90.9% | 87.3%+3.6pp | 86.7%+4.2pp | 80.0%+10.9pp |
| Annual return | 18.01% | 48.09%-30.1pp | 44.34%-26.3pp | 220.34%-202.3pp |
| Employer contribution / active EE | $1,911 | $6,591-71.0% | $6,227-69.3% | $4,156-54.0% |
| Participant deferral / active EE | $9,083 | $9,614-5.5% | $9,135-0.6% | $6,407+41.8% |
| Admin fee / account holder | $676 | $17,308-96.1% | $16,298-95.8% | $12,270-94.5% |