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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 | $76,959 | $178,174-56.8% | $156,181-50.7% | $137,256-43.9% |
| Participation rate | 89.5% | 82.0%+7.4pp | 78.8%+10.6pp | 80.0%+9.5pp |
| Annual return | 16.76% | 84.19%-67.4pp | 64.87%-48.1pp | 220.34%-203.6pp |
| Employer contribution / active EE | $2,357 | $4,972-52.6% | $4,294-45.1% | $4,156-43.3% |
| Participant deferral / active EE | $8,244 | $6,888+19.7% | $6,132+34.4% | $6,407+28.7% |
| Admin fee / account holder | $1,192 | $17,404-93.2% | $14,586-91.8% | $12,270-90.3% |