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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 | $57,868 | $197,637-70.7% | $177,848-67.5% | $158,982-63.6% |
| Participation rate | 88.9% | 88.5%+0.3pp | 87.7%+1.2pp | 82.0%+6.9pp |
| Annual return | 14.68% | 58.77%-44.1pp | 48.33%-33.6pp | 302.99%-288.3pp |
| Employer contribution / active EE | $4,615 | $6,698-31.1% | $5,919-22.0% | $4,763-3.1% |
| Participant deferral / active EE | $6,638 | $8,405-21.0% | $7,714-13.9% | $5,983+10.9% |
| Admin fee / account holder | $719 | $15,406-95.3% | $12,431-94.2% | $11,252-93.6% |