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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 | $108,971 | $185,312-41.2% | $161,489-32.5% | $154,746-29.6% |
| Participation rate | 91.7% | 82.5%+9.2pp | 78.7%+13.0pp | 80.7%+11.0pp |
| Annual return | 17.08% | 103.84%-86.8pp | 89.72%-72.6pp | 172.34%-155.3pp |
| Employer contribution / active EE | $2,877 | $4,769-39.7% | $4,268-32.6% | $4,379-34.3% |
| Participant deferral / active EE | $9,722 | $6,350+53.1% | $5,630+72.7% | $6,730+44.5% |
| Admin fee / account holder | $17,821 | $18,654-4.5% | $16,006+11.3% | $14,365+24.1% |