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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 | $104,301 | $162,821-35.9% | $133,978-22.2% | $158,982-34.4% |
| Participation rate | 95.0% | 83.2%+11.8pp | 79.8%+15.2pp | 82.0%+13.0pp |
| Annual return | 5.65% | 41.95%-36.3pp | 45.10%-39.4pp | 302.99%-297.3pp |
| Employer contribution / active EE | $7,419 | $4,976+49.1% | $3,919+89.3% | $4,763+55.8% |
| Participant deferral / active EE | $8,681 | $5,910+46.9% | $5,047+72.0% | $5,983+45.1% |
| Admin fee / account holder | $8,610 | $11,742-26.7% | $8,930-3.6% | $11,252-23.5% |