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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 | $69,870 | $174,379-59.9% | $152,093-54.1% | $138,895-49.7% |
| Participation rate | 80.0% | 81.6%-1.6pp | 77.8%+2.2pp | 79.9%+0.1pp |
| Annual return | 19.12% | 74.86%-55.7pp | 66.36%-47.2pp | 145.39%-126.3pp |
| Employer contribution / active EE | $1,040 | $4,652-77.6% | $4,175-75.1% | $4,194-75.2% |
| Participant deferral / active EE | $6,022 | $6,159-2.2% | $5,451+10.5% | $6,396-5.8% |
| Admin fee / account holder | $1,246 | $16,880-92.6% | $14,497-91.4% | $12,562-90.1% |