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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 | $66,390 | $114,013-41.8% | $103,693-36.0% | $155,188-57.2% |
| Participation rate | 92.9% | 75.2%+17.7pp | 72.6%+20.2pp | 80.8%+12.1pp |
| Annual return | 13.37% | 49.31%-35.9pp | 47.61%-34.2pp | 148.84%-135.5pp |
| Employer contribution / active EE | $2,573 | $3,131-17.8% | $2,920-11.9% | $4,248-39.4% |
| Participant deferral / active EE | $4,491 | $4,970-9.6% | $4,579-1.9% | $6,531-31.2% |
| Admin fee / account holder | $1,552 | $8,407-81.5% | $7,858-80.2% | $14,480-89.3% |