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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 | $78,511 | $156,398-49.8% | $147,318-46.7% | $138,895-43.5% |
| Participation rate | 90.5% | 83.8%+6.7pp | 82.1%+8.4pp | 79.9%+10.6pp |
| Annual return | 17.60% | 78.75%-61.2pp | 70.43%-52.8pp | 145.39%-127.8pp |
| Employer contribution / active EE | $3,937 | $4,853-18.9% | $4,593-14.3% | $4,194-6.1% |
| Participant deferral / active EE | $8,126 | $8,237-1.4% | $7,906+2.8% | $6,396+27.0% |
| Admin fee / account holder | $1,973 | $14,976-86.8% | $13,708-85.6% | $12,562-84.3% |