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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 | $106,424 | $185,312-42.6% | $161,489-34.1% | $154,746-31.2% |
| Participation rate | 90.9% | 82.5%+8.4pp | 78.7%+12.2pp | 80.7%+10.2pp |
| Annual return | 14.18% | 103.84%-89.7pp | 89.72%-75.5pp | 172.34%-158.2pp |
| Employer contribution / active EE | $2,221 | $4,769-53.4% | $4,268-48.0% | $4,379-49.3% |
| Participant deferral / active EE | $10,063 | $6,350+58.5% | $5,630+78.7% | $6,730+49.5% |
| Admin fee / account holder | $5,225 | $18,654-72.0% | $16,006-67.4% | $14,365-63.6% |