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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 | $94,381 | $142,354-33.7% | $125,529-24.8% | $155,188-39.2% |
| Participation rate | 71.4% | 78.1%-6.6pp | 74.7%-3.3pp | 80.8%-9.4pp |
| Annual return | 13.18% | 306.06%-292.9pp | 202.56%-189.4pp | 148.84%-135.7pp |
| Employer contribution / active EE | $2,899 | $3,501-17.2% | $3,058-5.2% | $4,248-31.8% |
| Participant deferral / active EE | $9,686 | $5,491+76.4% | $4,813+101.3% | $6,531+48.3% |
| Admin fee / account holder | $897 | $19,392-95.4% | $16,298-94.5% | $14,480-93.8% |