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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 | $105,803 | $91,559+15.6% | $133,971-21.0% | $79,852+32.5% |
| Participation rate | 72.7% | 73.3%-0.6pp | 79.8%-7.1pp | 69.6%+3.1pp |
| Annual return | 12.97% | 61.85%-48.9pp | 45.09%-32.1pp | 31.72%-18.7pp |
| Employer contribution / active EE | $853 | $2,384-64.2% | $3,919-78.2% | $2,471-65.5% |
| Participant deferral / active EE | $4,571 | $3,734+22.4% | $5,047-9.4% | $3,740+22.2% |
| Admin fee / account holder | $763 | $6,321-87.9% | $8,929-91.5% | $5,306-85.6% |