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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 | $60,883 | $90,486-32.7% | $78,676-22.6% | $273,972-77.8% |
| Participation rate | 88.2% | 76.5%+11.7pp | 73.6%+14.7pp | 83.0%+5.2pp |
| Annual return | 8.10% | 75.62%-67.5pp | 62.19%-54.1pp | 41.46%-33.4pp |
| Employer contribution / active EE | $5,602 | $3,175+76.4% | $2,850+96.6% | $4,869+15.1% |
| Participant deferral / active EE | $8,901 | $3,901+128.1% | $3,517+153.1% | $5,287+68.3% |
| Admin fee / account holder | $3,501 | $5,263-33.5% | $4,510-22.4% | $10,133-65.4% |