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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 | $86,271 | $162,821-47.0% | $133,978-35.6% | $158,982-45.7% |
| Participation rate | 85.7% | 83.2%+2.5pp | 79.8%+5.9pp | 82.0%+3.7pp |
| Annual return | 16.07% | 41.95%-25.9pp | 45.10%-29.0pp | 302.99%-286.9pp |
| Employer contribution / active EE | $2,926 | $4,976-41.2% | $3,919-25.3% | $4,763-38.6% |
| Participant deferral / active EE | $9,222 | $5,910+56.0% | $5,047+82.7% | $5,983+54.1% |
| Admin fee / account holder | $583 | $11,742-95.0% | $8,930-93.5% | $11,252-94.8% |