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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 | $106,116 | $156,398-32.1% | $147,318-28.0% | $138,895-23.6% |
| Participation rate | 90.9% | 83.8%+7.2pp | 82.1%+8.8pp | 79.9%+11.0pp |
| Annual return | 23.94% | 78.75%-54.8pp | 70.43%-46.5pp | 145.39%-121.5pp |
| Employer contribution / active EE | $3,379 | $4,853-30.4% | $4,593-26.4% | $4,194-19.4% |
| Participant deferral / active EE | $10,611 | $8,237+28.8% | $7,906+34.2% | $6,396+65.9% |
| Admin fee / account holder | $404 | $14,976-97.3% | $13,708-97.1% | $12,562-96.8% |