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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 | $90,311 | $185,312-51.3% | $161,489-44.1% | $154,746-41.6% |
| Participation rate | 81.8% | 82.5%-0.6pp | 78.7%+3.1pp | 80.7%+1.1pp |
| Annual return | 15.34% | 103.84%-88.5pp | 89.72%-74.4pp | 172.34%-157.0pp |
| Employer contribution / active EE | $1,449 | $4,769-69.6% | $4,268-66.1% | $4,379-66.9% |
| Participant deferral / active EE | $6,743 | $6,350+6.2% | $5,630+19.8% | $6,730+0.2% |
| Admin fee / account holder | $760 | $18,654-95.9% | $16,006-95.2% | $14,365-94.7% |