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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 | $74,827 | $97,125-23.0% | $86,233-13.2% | $137,256-45.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 15.76% | 74.19%-58.4pp | 61.39%-45.6pp | 220.34%-204.6pp |
| Employer contribution / active EE | $2,201 | $2,841-22.5% | $2,504-12.1% | $4,156-47.0% |
| Participant deferral / active EE | $5,635 | $5,180+8.8% | $4,559+23.6% | $6,407-12.0% |
| Admin fee / account holder | $2,884 | $9,725-70.3% | $8,342-65.4% | $12,270-76.5% |