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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 | $119,039 | $162,136-26.6% | $152,301-21.8% | $154,746-23.1% |
| Participation rate | 88.9% | 84.1%+4.8pp | 82.4%+6.4pp | 80.7%+8.2pp |
| Annual return | 17.08% | 91.02%-73.9pp | 80.50%-63.4pp | 172.34%-155.3pp |
| Employer contribution / active EE | $2,480 | $4,890-49.3% | $4,624-46.4% | $4,379-43.4% |
| Participant deferral / active EE | $9,583 | $8,341+14.9% | $8,004+19.7% | $6,730+42.4% |
| Admin fee / account holder | $1,621 | $15,759-89.7% | $14,398-88.7% | $14,365-88.7% |