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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 | $84,694 | $81,208+4.3% | $98,920-14.4% | $79,856+6.1% |
| Participation rate | 74.1% | 72.5%+1.6pp | 76.0%-2.0pp | 69.6%+4.4pp |
| Annual return | 19.04% | 60.99%-42.0pp | 196.47%-177.4pp | 31.71%-12.7pp |
| Employer contribution / active EE | $566 | $1,960-71.1% | $2,689-79.0% | $2,471-77.1% |
| Participant deferral / active EE | $3,418 | $3,265+4.7% | $4,245-19.5% | $3,741-8.6% |
| Admin fee / account holder | $1,185 | $6,013-80.3% | $6,643-82.2% | $5,306-77.7% |