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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 | $93,466 | $227,399-58.9% | $189,758-50.7% | $198,609-52.9% |
| Participation rate | 89.5% | 84.0%+5.5pp | 79.8%+9.7pp | 82.4%+7.1pp |
| Annual return | 15.46% | 61.03%-45.6pp | 52.62%-37.2pp | 202.70%-187.2pp |
| Employer contribution / active EE | $3,072 | $5,526-44.4% | $4,767-35.6% | $5,055-39.2% |
| Participant deferral / active EE | $7,719 | $6,837+12.9% | $5,856+31.8% | $6,977+10.6% |
| Admin fee / account holder | $22,802 | $25,162-9.4% | $20,388+11.8% | $19,030+19.8% |