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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 | $98,539 | $172,111-42.7% | $150,298-34.4% | $137,256-28.2% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 16.88% | 69.37%-52.5pp | 62.79%-45.9pp | 220.34%-203.5pp |
| Employer contribution / active EE | $3,431 | $4,636-26.0% | $4,154-17.4% | $4,156-17.5% |
| Participant deferral / active EE | $4,713 | $6,166-23.6% | $5,453-13.6% | $6,407-26.4% |
| Admin fee / account holder | $593 | $16,471-96.4% | $14,116-95.8% | $12,270-95.2% |