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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 | $79,138 | $156,398-49.4% | $147,318-46.3% | $138,895-43.0% |
| Participation rate | 85.7% | 83.8%+2.0pp | 82.1%+3.6pp | 79.9%+5.8pp |
| Annual return | 13.55% | 78.75%-65.2pp | 70.43%-56.9pp | 145.39%-131.8pp |
| Employer contribution / active EE | $3,648 | $4,853-24.8% | $4,593-20.6% | $4,194-13.0% |
| Participant deferral / active EE | $12,145 | $8,237+47.4% | $7,906+53.6% | $6,396+89.9% |
| Admin fee / account holder | $1,977 | $14,976-86.8% | $13,708-85.6% | $12,562-84.3% |