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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 | $81,066 | $154,228-47.4% | $145,433-44.3% | $137,256-40.9% |
| Participation rate | 94.7% | 83.8%+10.9pp | 82.1%+12.6pp | 80.0%+14.8pp |
| Annual return | 19.94% | 74.59%-54.6pp | 66.58%-46.6pp | 220.34%-200.4pp |
| Employer contribution / active EE | $6,387 | $4,804+33.0% | $4,554+40.2% | $4,156+53.7% |
| Participant deferral / active EE | $8,163 | $8,216-0.7% | $7,897+3.4% | $6,407+27.4% |
| Admin fee / account holder | $819 | $14,344-94.3% | $13,129-93.8% | $12,270-93.3% |