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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 | $130,355 | $78,423+66.2% | $95,964+35.8% | $79,856+63.2% |
| Participation rate | 86.2% | 73.5%+12.7pp | 77.1%+9.1pp | 69.6%+16.6pp |
| Annual return | 13.53% | 19.37%-5.8pp | 91.64%-78.1pp | 31.71%-18.2pp |
| Employer contribution / active EE | $856 | $1,945-56.0% | $2,541-66.3% | $2,471-65.3% |
| Participant deferral / active EE | $4,579 | $3,440+33.1% | $4,167+9.9% | $3,741+22.4% |
| Admin fee / account holder | $653 | $5,622-88.4% | $6,797-90.4% | $5,306-87.7% |