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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 | $81,577 | $112,131-27.2% | $95,964-15.0% | $158,982-48.7% |
| Participation rate | 85.7% | 79.0%+6.7pp | 77.1%+8.6pp | 82.0%+3.7pp |
| Annual return | 8.35% | 171.19%-162.8pp | 91.64%-83.3pp | 302.99%-294.6pp |
| Employer contribution / active EE | $1,620 | $3,199-49.4% | $2,541-36.3% | $4,763-66.0% |
| Participant deferral / active EE | $7,138 | $4,784+49.2% | $4,167+71.3% | $5,983+19.3% |
| Admin fee / account holder | $3,719 | $10,136-63.3% | $6,797-45.3% | $11,252-66.9% |