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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 | $90,062 | $101,798-11.5% | $165,071-45.4% | $80,935+11.3% |
| Participation rate | 74.4% | 71.8%+2.5pp | 78.6%-4.3pp | 67.7%+6.7pp |
| Annual return | 16.06% | 16.73%-0.7pp | 70.17%-54.1pp | 35.66%-19.6pp |
| Employer contribution / active EE | $4,338 | $2,954+46.8% | $4,347-0.2% | $2,757+57.4% |
| Participant deferral / active EE | $6,381 | $4,476+42.6% | $6,035+5.7% | $4,299+48.4% |
| Admin fee / account holder | $508 | $8,221-93.8% | $12,695-96.0% | $6,924-92.7% |