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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 | $80,560 | $93,345-13.7% | $119,126-32.4% | $87,485-7.9% |
| Participation rate | 75.0% | 68.7%+6.3pp | 75.8%-0.8pp | 68.9%+6.1pp |
| Annual return | 15.32% | 19.08%-3.8pp | 282.11%-266.8pp | 26.06%-10.7pp |
| Employer contribution / active EE | $2,156 | $3,172-32.0% | $4,034-46.6% | $2,596-17.0% |
| Participant deferral / active EE | $5,163 | $4,099+26.0% | $5,318-2.9% | $4,274+20.8% |
| Admin fee / account holder | $6,886 | $8,039-14.3% | $10,693-35.6% | $7,775-11.4% |