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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 | $97,465 | $185,312-47.4% | $161,489-39.6% | $154,746-37.0% |
| Participation rate | 90.9% | 82.5%+8.4pp | 78.7%+12.2pp | 80.7%+10.2pp |
| Annual return | 22.14% | 103.84%-81.7pp | 89.72%-67.6pp | 172.34%-150.2pp |
| Employer contribution / active EE | $1,437 | $4,769-69.9% | $4,268-66.3% | $4,379-67.2% |
| Participant deferral / active EE | $3,446 | $6,350-45.7% | $5,630-38.8% | $6,730-48.8% |
| Admin fee / account holder | $612 | $18,654-96.7% | $16,006-96.2% | $14,365-95.7% |