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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 | $82,024 | $162,136-49.4% | $152,301-46.1% | $154,746-47.0% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 13.83% | 91.02%-77.2pp | 80.50%-66.7pp | 172.34%-158.5pp |
| Employer contribution / active EE | $3,683 | $4,890-24.7% | $4,624-20.4% | $4,379-15.9% |
| Participant deferral / active EE | $8,899 | $8,341+6.7% | $8,004+11.2% | $6,730+32.2% |
| Admin fee / account holder | $332 | $15,759-97.9% | $14,398-97.7% | $14,365-97.7% |