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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 | $94,681 | $156,398-39.5% | $147,318-35.7% | $138,895-31.8% |
| Participation rate | 92.3% | 83.8%+8.6pp | 82.1%+10.2pp | 79.9%+12.4pp |
| Annual return | 18.95% | 78.75%-59.8pp | 70.43%-51.5pp | 145.39%-126.4pp |
| Employer contribution / active EE | $1,446 | $4,853-70.2% | $4,593-68.5% | $4,194-65.5% |
| Participant deferral / active EE | $13,045 | $8,237+58.4% | $7,906+65.0% | $6,396+103.9% |
| Admin fee / account holder | $1,624 | $14,976-89.2% | $13,708-88.2% | $12,562-87.1% |