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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 | $90,868 | $111,814-18.7% | $103,378-12.1% | $145,978-37.8% |
| Participation rate | 73.3% | 77.9%-4.6pp | 74.5%-1.2pp | 80.3%-7.0pp |
| Annual return | 45.54% | 24.80%+20.7pp | 24.91%+20.6pp | 550.52%-505.0pp |
| Employer contribution / active EE | $2,828 | $4,215-32.9% | $3,870-26.9% | $4,662-39.3% |
| Participant deferral / active EE | $8,219 | $5,618+46.3% | $5,058+62.5% | $6,690+22.9% |
| Admin fee / account holder | $5,484 | $9,764-43.8% | $8,401-34.7% | $13,400-59.1% |