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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 | $94,539 | $91,198+3.7% | $178,503-47.0% | $79,856+18.4% |
| Participation rate | 83.9% | 69.2%+14.7pp | 81.9%+1.9pp | 69.6%+14.2pp |
| Annual return | 14.87% | 24.20%-9.3pp | 151.12%-136.2pp | 31.71%-16.8pp |
| Employer contribution / active EE | $2,437 | $3,257-25.2% | $5,011-51.4% | $2,471-1.4% |
| Participant deferral / active EE | $4,923 | $3,237+52.1% | $5,202-5.4% | $3,741+31.6% |
| Admin fee / account holder | $6,925 | $6,748+2.6% | $13,987-50.5% | $5,306+30.5% |