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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 | $79,515 | $175,231-54.6% | $149,696-46.9% | $139,466-43.0% |
| Participation rate | 88.2% | 83.4%+4.8pp | 78.8%+9.5pp | 80.3%+7.9pp |
| Annual return | 21.64% | 166.77%-145.1pp | 134.46%-112.8pp | 373.66%-352.0pp |
| Employer contribution / active EE | $3,602 | $5,478-34.2% | $4,821-25.3% | $4,754-24.2% |
| Participant deferral / active EE | $8,430 | $6,521+29.3% | $5,682+48.4% | $6,712+25.6% |
| Admin fee / account holder | $677 | $16,155-95.8% | $13,212-94.9% | $11,409-94.1% |