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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 | $72,461 | $172,111-57.9% | $150,298-51.8% | $137,256-47.2% |
| Participation rate | 88.9% | 81.7%+7.2pp | 77.8%+11.1pp | 80.0%+8.9pp |
| Annual return | 18.71% | 69.37%-50.7pp | 62.79%-44.1pp | 220.34%-201.6pp |
| Employer contribution / active EE | $2,812 | $4,636-39.4% | $4,154-32.3% | $4,156-32.3% |
| Participant deferral / active EE | $8,617 | $6,166+39.8% | $5,453+58.0% | $6,407+34.5% |
| Admin fee / account holder | $1,021 | $16,471-93.8% | $14,116-92.8% | $12,270-91.7% |