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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 | $64,816 | $98,776-34.4% | $149,745-56.7% | $79,856-18.8% |
| Participation rate | 85.7% | 75.8%+9.9pp | 82.5%+3.2pp | 69.6%+16.1pp |
| Annual return | 16.33% | 27.38%-11.0pp | 276.72%-260.4pp | 31.71%-15.4pp |
| Employer contribution / active EE | $3,485 | $3,217+8.3% | $4,646-25.0% | $2,471+41.0% |
| Participant deferral / active EE | $8,410 | $5,681+48.0% | $6,843+22.9% | $3,741+124.8% |
| Admin fee / account holder | $4,478 | $6,053-26.0% | $9,312-51.9% | $5,306-15.6% |