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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 | $121,079 | $172,111-29.7% | $150,298-19.4% | $137,256-11.8% |
| Participation rate | 90.9% | 81.7%+9.2pp | 77.8%+13.1pp | 80.0%+10.9pp |
| Annual return | 13.39% | 69.37%-56.0pp | 62.79%-49.4pp | 220.34%-207.0pp |
| Employer contribution / active EE | $2,301 | $4,636-50.4% | $4,154-44.6% | $4,156-44.6% |
| Participant deferral / active EE | $9,573 | $6,166+55.3% | $5,453+75.6% | $6,407+49.4% |
| Admin fee / account holder | $1,947 | $16,471-88.2% | $14,116-86.2% | $12,270-84.1% |