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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 | $118,227 | $181,062-34.7% | $158,223-25.3% | $155,188-23.8% |
| Participation rate | 90.0% | 82.7%+7.3pp | 79.2%+10.8pp | 80.8%+9.2pp |
| Annual return | 19.57% | 57.39%-37.8pp | 52.09%-32.5pp | 148.84%-129.3pp |
| Employer contribution / active EE | $2,340 | $4,565-48.7% | $4,109-43.0% | $4,248-44.9% |
| Participant deferral / active EE | $7,744 | $6,134+26.2% | $5,467+41.7% | $6,531+18.6% |
| Admin fee / account holder | $961 | $18,825-94.9% | $16,047-94.0% | $14,480-93.4% |