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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 | $79,753 | $88,672-10.1% | $105,223-24.2% | $82,448-3.3% |
| Participation rate | 89.3% | 67.9%+21.4pp | 75.0%+14.2pp | 68.1%+21.2pp |
| Annual return | 19.49% | 30.86%-11.4pp | 180.65%-161.2pp | 41.64%-22.2pp |
| Employer contribution / active EE | $3,667 | $3,048+20.3% | $3,689-0.6% | $2,551+43.8% |
| Participant deferral / active EE | $5,199 | $4,036+28.8% | $5,072+2.5% | $4,139+25.6% |
| Admin fee / account holder | $9,547 | $7,146+33.6% | $8,859+7.8% | $7,234+32.0% |