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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 | $93,094 | $114,013-18.3% | $103,693-10.2% | $155,188-40.0% |
| Participation rate | 80.0% | 75.2%+4.8pp | 72.6%+7.4pp | 80.8%-0.8pp |
| Annual return | 20.22% | 49.31%-29.1pp | 47.61%-27.4pp | 148.84%-128.6pp |
| Employer contribution / active EE | $2,970 | $3,131-5.1% | $2,920+1.7% | $4,248-30.1% |
| Participant deferral / active EE | $5,938 | $4,970+19.5% | $4,579+29.7% | $6,531-9.1% |
| Admin fee / account holder | $5,781 | $8,407-31.2% | $7,858-26.4% | $14,480-60.1% |