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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 | $90,422 | $157,829-42.7% | $136,867-33.9% | $198,609-54.5% |
| Participation rate | 93.3% | 77.2%+16.2pp | 74.5%+18.8pp | 82.4%+11.0pp |
| Annual return | 23.36% | 51.25%-27.9pp | 42.97%-19.6pp | 202.70%-179.3pp |
| Employer contribution / active EE | $2,941 | $3,923-25.0% | $3,547-17.1% | $5,055-41.8% |
| Participant deferral / active EE | $6,622 | $5,463+21.2% | $4,924+34.5% | $6,977-5.1% |
| Admin fee / account holder | $786 | $11,107-92.9% | $10,340-92.4% | $19,030-95.9% |