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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 | $121,866 | $185,312-34.2% | $161,489-24.5% | $154,746-21.2% |
| Participation rate | 82.4% | 82.5%-0.1pp | 78.7%+3.7pp | 80.7%+1.7pp |
| Annual return | 13.12% | 103.84%-90.7pp | 89.72%-76.6pp | 172.34%-159.2pp |
| Employer contribution / active EE | $1,352 | $4,769-71.6% | $4,268-68.3% | $4,379-69.1% |
| Participant deferral / active EE | $10,723 | $6,350+68.9% | $5,630+90.5% | $6,730+59.3% |
| Admin fee / account holder | $2,719 | $18,654-85.4% | $16,006-83.0% | $14,365-81.1% |