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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 | $68,728 | $110,212-37.6% | $96,534-28.8% | $139,466-50.7% |
| Participation rate | 83.3% | 78.1%+5.2pp | 76.0%+7.4pp | 80.3%+3.0pp |
| Annual return | 13.69% | 26.42%-12.7pp | 25.88%-12.2pp | 373.66%-360.0pp |
| Employer contribution / active EE | $2,117 | $3,620-41.5% | $2,965-28.6% | $4,754-55.5% |
| Participant deferral / active EE | $7,221 | $5,547+30.2% | $4,851+48.9% | $6,712+7.6% |
| Admin fee / account holder | $4,398 | $11,599-62.1% | $8,253-46.7% | $11,409-61.4% |