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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 | $92,086 | $97,125-5.2% | $86,233+6.8% | $137,256-32.9% |
| Participation rate | 84.2% | 74.2%+10.0pp | 69.0%+15.2pp | 80.0%+4.3pp |
| Annual return | 16.22% | 74.19%-58.0pp | 61.39%-45.2pp | 220.34%-204.1pp |
| Employer contribution / active EE | $4,443 | $2,841+56.4% | $2,504+77.4% | $4,156+6.9% |
| Participant deferral / active EE | $2,551 | $5,180-50.7% | $4,559-44.0% | $6,407-60.2% |
| Admin fee / account holder | $1,297 | $9,725-86.7% | $8,342-84.5% | $12,270-89.4% |