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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 | $98,727 | $135,956-27.4% | $123,894-20.3% | $273,972-64.0% |
| Participation rate | 95.8% | 84.1%+11.8pp | 81.4%+14.4pp | 83.0%+12.8pp |
| Annual return | 8.30% | 56.63%-48.3pp | 47.52%-39.2pp | 41.46%-33.2pp |
| Employer contribution / active EE | $939 | $5,170-81.8% | $4,617-79.7% | $4,869-80.7% |
| Participant deferral / active EE | $9,175 | $6,343+44.7% | $5,984+53.3% | $5,287+73.5% |
| Admin fee / account holder | $328 | $9,817-96.7% | $8,357-96.1% | $10,133-96.8% |