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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 | $85,672 | $162,136-47.2% | $152,301-43.7% | $154,746-44.6% |
| Participation rate | 92.9% | 84.1%+8.8pp | 82.4%+10.4pp | 80.7%+12.2pp |
| Annual return | 22.80% | 91.02%-68.2pp | 80.50%-57.7pp | 172.34%-149.5pp |
| Employer contribution / active EE | $3,867 | $4,890-20.9% | $4,624-16.4% | $4,379-11.7% |
| Participant deferral / active EE | $12,666 | $8,341+51.9% | $8,004+58.2% | $6,730+88.2% |
| Admin fee / account holder | $2,535 | $15,759-83.9% | $14,398-82.4% | $14,365-82.4% |