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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 | $70,881 | $108,922-34.9% | $100,398-29.4% | $145,978-51.4% |
| Participation rate | 85.7% | 83.0%+2.8pp | 81.5%+4.2pp | 80.3%+5.4pp |
| Annual return | 17.90% | 58.04%-40.1pp | 49.32%-31.4pp | 550.52%-532.6pp |
| Employer contribution / active EE | $3,136 | $4,426-29.1% | $3,946-20.5% | $4,662-32.7% |
| Participant deferral / active EE | $9,431 | $8,450+11.6% | $8,084+16.7% | $6,690+41.0% |
| Admin fee / account holder | $4,496 | $9,680-53.6% | $7,893-43.0% | $13,400-66.4% |