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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 | $89,024 | $172,111-48.3% | $150,298-40.8% | $137,256-35.1% |
| Participation rate | 76.9% | 81.7%-4.8pp | 77.8%-0.8pp | 80.0%-3.0pp |
| Annual return | 15.34% | 69.37%-54.0pp | 62.79%-47.4pp | 220.34%-205.0pp |
| Employer contribution / active EE | $3,955 | $4,636-14.7% | $4,154-4.8% | $4,156-4.8% |
| Participant deferral / active EE | $7,404 | $6,166+20.1% | $5,453+35.8% | $6,407+15.6% |
| Admin fee / account holder | $2,982 | $16,471-81.9% | $14,116-78.9% | $12,270-75.7% |