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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 | $85,319 | $162,812-47.6% | $133,971-36.3% | $158,966-46.3% |
| Participation rate | 94.1% | 83.2%+10.9pp | 79.8%+14.3pp | 82.0%+12.2pp |
| Annual return | 19.93% | 41.94%-22.0pp | 45.09%-25.2pp | 302.95%-283.0pp |
| Employer contribution / active EE | $2,821 | $4,976-43.3% | $3,919-28.0% | $4,762-40.8% |
| Participant deferral / active EE | $6,736 | $5,910+14.0% | $5,047+33.5% | $5,983+12.6% |
| Admin fee / account holder | $720 | $11,741-93.9% | $8,929-91.9% | $11,250-93.6% |