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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 | $76,776 | $81,208-5.5% | $98,920-22.4% | $79,856-3.9% |
| Participation rate | 89.1% | 72.5%+16.6pp | 76.0%+13.1pp | 69.6%+19.5pp |
| Annual return | 12.38% | 60.99%-48.6pp | 196.47%-184.1pp | 31.71%-19.3pp |
| Employer contribution / active EE | $2,331 | $1,960+19.0% | $2,689-13.3% | $2,471-5.7% |
| Participant deferral / active EE | $4,443 | $3,265+36.1% | $4,245+4.7% | $3,741+18.8% |
| Admin fee / account holder | $5,926 | $6,013-1.4% | $6,643-10.8% | $5,306+11.7% |