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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 | $89,409 | $185,312-51.8% | $161,489-44.6% | $154,746-42.2% |
| Participation rate | 90.0% | 82.5%+7.5pp | 78.7%+11.3pp | 80.7%+9.3pp |
| Annual return | 18.51% | 103.84%-85.3pp | 89.72%-71.2pp | 172.34%-153.8pp |
| Employer contribution / active EE | $2,304 | $4,769-51.7% | $4,268-46.0% | $4,379-47.4% |
| Participant deferral / active EE | $4,526 | $6,350-28.7% | $5,630-19.6% | $6,730-32.7% |
| Admin fee / account holder | $436 | $18,654-97.7% | $16,006-97.3% | $14,365-97.0% |