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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 | $124,691 | $178,174-30.0% | $156,181-20.2% | $137,256-9.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 11.61% | 84.19%-72.6pp | 64.87%-53.3pp | 220.34%-208.7pp |
| Employer contribution / active EE | $2,356 | $4,972-52.6% | $4,294-45.1% | $4,156-43.3% |
| Participant deferral / active EE | $6,380 | $6,888-7.4% | $6,132+4.0% | $6,407-0.4% |
| Admin fee / account holder | $620 | $17,404-96.4% | $14,586-95.8% | $12,270-94.9% |