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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 | $78,342 | $172,111-54.5% | $150,298-47.9% | $137,256-42.9% |
| Participation rate | 87.5% | 81.7%+5.8pp | 77.8%+9.7pp | 80.0%+7.5pp |
| Annual return | 16.29% | 69.37%-53.1pp | 62.79%-46.5pp | 220.34%-204.0pp |
| Employer contribution / active EE | $1,460 | $4,636-68.5% | $4,154-64.8% | $4,156-64.9% |
| Participant deferral / active EE | $7,619 | $6,166+23.6% | $5,453+39.7% | $6,407+18.9% |
| Admin fee / account holder | $1,264 | $16,471-92.3% | $14,116-91.0% | $12,270-89.7% |