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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 | $88,894 | $106,918-16.9% | $84,021+5.8% | $152,897-41.9% |
| Participation rate | 72.7% | 75.2%-2.5pp | 69.0%+3.7pp | 82.5%-9.7pp |
| Annual return | 22.96% | 105.01%-82.1pp | 71.32%-48.4pp | 345.43%-322.5pp |
| Employer contribution / active EE | $1,988 | $2,735-27.3% | $1,984+0.2% | $4,764-58.3% |
| Participant deferral / active EE | $3,704 | $4,012-7.7% | $3,239+14.3% | $5,851-36.7% |
| Admin fee / account holder | $6,409 | $8,288-22.7% | $6,102+5.0% | $11,599-44.7% |