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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 | $68,715 | $88,672-22.5% | $105,223-34.7% | $82,448-16.7% |
| Participation rate | 70.0% | 67.9%+2.1pp | 75.0%-5.0pp | 68.1%+1.9pp |
| Annual return | 29.94% | 30.86%-0.9pp | 180.65%-150.7pp | 41.64%-11.7pp |
| Employer contribution / active EE | $3,207 | $3,048+5.2% | $3,689-13.0% | $2,551+25.7% |
| Participant deferral / active EE | $7,725 | $4,036+91.4% | $5,072+52.3% | $4,139+86.6% |
| Admin fee / account holder | $6,436 | $7,146-9.9% | $8,859-27.3% | $7,234-11.0% |