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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 | $91,768 | $155,555-41.0% | $146,866-37.5% | $155,188-40.9% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.5%+7.5pp | 80.8%+9.2pp |
| Annual return | 20.22% | 115.41%-95.2pp | 102.85%-82.6pp | 148.84%-128.6pp |
| Employer contribution / active EE | $2,315 | $4,647-50.2% | $4,425-47.7% | $4,248-45.5% |
| Participant deferral / active EE | $6,593 | $8,044-18.0% | $7,759-15.0% | $6,531+1.0% |
| Admin fee / account holder | $396 | $14,755-97.3% | $13,620-97.1% | $14,480-97.3% |