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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 | $74,479 | $108,882-31.6% | $96,754-23.0% | $154,746-51.9% |
| Participation rate | 88.2% | 75.1%+13.2pp | 70.3%+18.0pp | 80.7%+7.5pp |
| Annual return | 14.60% | 98.39%-83.8pp | 82.04%-67.4pp | 172.34%-157.7pp |
| Employer contribution / active EE | $3,713 | $3,018+23.0% | $2,679+38.6% | $4,379-15.2% |
| Participant deferral / active EE | $4,118 | $5,323-22.6% | $4,758-13.4% | $6,730-38.8% |
| Admin fee / account holder | $1,651 | $10,200-83.8% | $8,905-81.5% | $14,365-88.5% |