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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 | $102,913 | $176,402-41.7% | $134,162-23.3% | $158,966-35.3% |
| Participation rate | 90.9% | 78.7%+12.2pp | 72.2%+18.7pp | 82.0%+8.9pp |
| Annual return | 13.63% | 63.66%-50.0pp | 36.35%-22.7pp | 302.95%-289.3pp |
| Employer contribution / active EE | $9,678 | $5,042+91.9% | $3,705+161.2% | $4,762+103.2% |
| Participant deferral / active EE | $4,657 | $4,093+13.8% | $3,500+33.1% | $5,983-22.2% |
| Admin fee / account holder | $7,057 | $8,719-19.1% | $6,685+5.6% | $11,250-37.3% |