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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 | $185,312-34.7% | $161,489-25.0% | $154,746-21.8% |
| Participation rate | 90.9% | 82.5%+8.4pp | 78.7%+12.2pp | 80.7%+10.2pp |
| Annual return | 13.39% | 103.84%-90.5pp | 89.72%-76.3pp | 172.34%-159.0pp |
| Employer contribution / active EE | $2,301 | $4,769-51.8% | $4,268-46.1% | $4,379-47.5% |
| Participant deferral / active EE | $9,573 | $6,350+50.8% | $5,630+70.0% | $6,730+42.2% |
| Admin fee / account holder | $1,947 | $18,654-89.6% | $16,006-87.8% | $14,365-86.4% |