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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 | $84,621 | $102,638-17.6% | $81,991+3.2% | $158,966-46.8% |
| Participation rate | 91.7% | 75.5%+16.1pp | 69.3%+22.4pp | 82.0%+9.7pp |
| Annual return | 16.30% | 61.05%-44.8pp | 41.31%-25.0pp | 302.95%-286.6pp |
| Employer contribution / active EE | $2,755 | $3,241-15.0% | $2,498+10.3% | $4,762-42.2% |
| Participant deferral / active EE | $7,235 | $4,649+55.6% | $3,722+94.4% | $5,983+20.9% |
| Admin fee / account holder | $708 | $8,237-91.4% | $5,665-87.5% | $11,250-93.7% |