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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 | $76,020 | $154,228-50.7% | $145,433-47.7% | $137,256-44.6% |
| Participation rate | 93.8% | 83.8%+10.0pp | 82.1%+11.6pp | 80.0%+13.8pp |
| Annual return | 16.34% | 74.59%-58.3pp | 66.58%-50.2pp | 220.34%-204.0pp |
| Employer contribution / active EE | $3,195 | $4,804-33.5% | $4,554-29.8% | $4,156-23.1% |
| Participant deferral / active EE | $6,680 | $8,216-18.7% | $7,897-15.4% | $6,407+4.3% |
| Admin fee / account holder | $1,577 | $14,344-89.0% | $13,129-88.0% | $12,270-87.1% |