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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 | $100,667 | $135,956-26.0% | $123,894-18.7% | $273,972-63.3% |
| Participation rate | 87.5% | 84.1%+3.4pp | 81.4%+6.1pp | 83.0%+4.5pp |
| Annual return | 6.77% | 56.63%-49.9pp | 47.52%-40.8pp | 41.46%-34.7pp |
| Employer contribution / active EE | $4,221 | $5,170-18.3% | $4,617-8.6% | $4,869-13.3% |
| Participant deferral / active EE | $7,908 | $6,343+24.7% | $5,984+32.2% | $5,287+49.6% |
| Admin fee / account holder | $1,987 | $9,817-79.8% | $8,357-76.2% | $10,133-80.4% |