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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 | $80,889 | $99,053-18.3% | $88,179-8.3% | $138,895-41.8% |
| Participation rate | 70.8% | 74.2%-3.4pp | 69.1%+1.7pp | 79.9%-9.1pp |
| Annual return | 15.18% | 78.17%-63.0pp | 64.97%-49.8pp | 145.39%-130.2pp |
| Employer contribution / active EE | $3,836 | $2,882+33.1% | $2,549+50.5% | $4,194-8.5% |
| Participant deferral / active EE | $7,360 | $5,225+40.9% | $4,614+59.5% | $6,396+15.1% |
| Admin fee / account holder | $13,199 | $8,748+50.9% | $7,673+72.0% | $12,562+5.1% |