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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 | $84,966 | $201,372-57.8% | $184,260-53.9% | $145,884-41.8% |
| Participation rate | 90.0% | 87.5%+2.5pp | 86.8%+3.2pp | 80.3%+9.7pp |
| Annual return | 13.22% | 29.04%-15.8pp | 28.84%-15.6pp | 551.85%-538.6pp |
| Employer contribution / active EE | $3,851 | $7,024-45.2% | $6,427-40.1% | $4,662-17.4% |
| Participant deferral / active EE | $7,261 | $9,808-26.0% | $9,133-20.5% | $6,690+8.5% |
| Admin fee / account holder | $1,570 | $16,362-90.4% | $13,898-88.7% | $13,392-88.3% |