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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 | $108,795 | $162,136-32.9% | $152,301-28.6% | $154,746-29.7% |
| Participation rate | 83.3% | 84.1%-0.8pp | 82.4%+0.9pp | 80.7%+2.6pp |
| Annual return | 22.02% | 91.02%-69.0pp | 80.50%-58.5pp | 172.34%-150.3pp |
| Employer contribution / active EE | $1,850 | $4,890-62.2% | $4,624-60.0% | $4,379-57.8% |
| Participant deferral / active EE | $9,091 | $8,341+9.0% | $8,004+13.6% | $6,730+35.1% |
| Admin fee / account holder | $418 | $15,759-97.3% | $14,398-97.1% | $14,365-97.1% |