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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 | $94,805 | $172,111-44.9% | $150,298-36.9% | $137,256-30.9% |
| Participation rate | 76.2% | 81.7%-5.5pp | 77.8%-1.6pp | 80.0%-3.8pp |
| Annual return | 20.10% | 69.37%-49.3pp | 62.79%-42.7pp | 220.34%-200.2pp |
| Employer contribution / active EE | $6,201 | $4,636+33.8% | $4,154+49.3% | $4,156+49.2% |
| Participant deferral / active EE | $4,538 | $6,166-26.4% | $5,453-16.8% | $6,407-29.2% |
| Admin fee / account holder | $3,882 | $16,471-76.4% | $14,116-72.5% | $12,270-68.4% |