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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 | $86,504 | $81,208+6.5% | $98,920-12.6% | $79,856+8.3% |
| Participation rate | 89.8% | 72.5%+17.3pp | 76.0%+13.8pp | 69.6%+20.2pp |
| Annual return | 12.50% | 60.99%-48.5pp | 196.47%-184.0pp | 31.71%-19.2pp |
| Employer contribution / active EE | $801 | $1,960-59.1% | $2,689-70.2% | $2,471-67.6% |
| Participant deferral / active EE | $3,470 | $3,265+6.3% | $4,245-18.3% | $3,741-7.2% |
| Admin fee / account holder | $4,821 | $6,013-19.8% | $6,643-27.4% | $5,306-9.1% |