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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 | $89,616 | $81,208+10.4% | $98,920-9.4% | $79,852+12.2% |
| Participation rate | 77.2% | 72.5%+4.7pp | 76.0%+1.2pp | 69.6%+7.6pp |
| Annual return | 10.59% | 60.99%-50.4pp | 196.47%-185.9pp | 31.72%-21.1pp |
| Employer contribution / active EE | $913 | $1,960-53.4% | $2,689-66.1% | $2,471-63.1% |
| Participant deferral / active EE | $4,265 | $3,265+30.6% | $4,245+0.5% | $3,740+14.0% |
| Admin fee / account holder | $9,307 | $6,013+54.8% | $6,643+40.1% | $5,306+75.4% |