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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 | $91,139 | $181,062-49.7% | $158,223-42.4% | $155,188-41.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 20.62% | 57.39%-36.8pp | 52.09%-31.5pp | 148.84%-128.2pp |
| Employer contribution / active EE | $2,980 | $4,565-34.7% | $4,109-27.5% | $4,248-29.8% |
| Participant deferral / active EE | $9,424 | $6,134+53.6% | $5,467+72.4% | $6,531+44.3% |
| Admin fee / account holder | $2,937 | $18,825-84.4% | $16,047-81.7% | $14,480-79.7% |