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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 | $87,228 | $148,629-41.3% | $135,982-35.9% | $139,487-37.5% |
| Participation rate | 86.7% | 83.9%+2.8pp | 81.9%+4.7pp | 80.3%+6.3pp |
| Annual return | 18.20% | 79.33%-61.1pp | 68.32%-50.1pp | 373.84%-355.6pp |
| Employer contribution / active EE | $1,752 | $5,247-66.6% | $4,859-64.0% | $4,755-63.2% |
| Participant deferral / active EE | $8,396 | $8,102+3.6% | $7,760+8.2% | $6,713+25.1% |
| Admin fee / account holder | $10,008 | $12,406-19.3% | $10,767-7.1% | $11,407-12.3% |