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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 | $181,062-50.8% | $158,223-43.7% | $155,188-42.6% |
| Participation rate | 76.9% | 82.7%-5.7pp | 79.2%-2.3pp | 80.8%-3.9pp |
| Annual return | 15.34% | 57.39%-42.0pp | 52.09%-36.7pp | 148.84%-133.5pp |
| Employer contribution / active EE | $3,955 | $4,565-13.4% | $4,109-3.7% | $4,248-6.9% |
| Participant deferral / active EE | $7,404 | $6,134+20.7% | $5,467+35.4% | $6,531+13.4% |
| Admin fee / account holder | $2,982 | $18,825-84.2% | $16,047-81.4% | $14,480-79.4% |