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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 | $59,690 | $81,208-26.5% | $98,920-39.7% | $79,856-25.3% |
| Participation rate | 75.3% | 72.5%+2.8pp | 76.0%-0.8pp | 69.6%+5.6pp |
| Annual return | 15.92% | 60.99%-45.1pp | 196.47%-180.6pp | 31.71%-15.8pp |
| Employer contribution / active EE | $1,959 | $1,960-0.1% | $2,689-27.2% | $2,471-20.7% |
| Participant deferral / active EE | $3,845 | $3,265+17.8% | $4,245-9.4% | $3,741+2.8% |
| Admin fee / account holder | $3,946 | $6,013-34.4% | $6,643-40.6% | $5,306-25.6% |