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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 | $99,053-7.0% | $88,179+4.4% | $138,895-33.7% |
| Participation rate | 84.2% | 74.2%+10.0pp | 69.1%+15.1pp | 79.9%+4.3pp |
| Annual return | 16.22% | 78.17%-61.9pp | 64.97%-48.7pp | 145.39%-129.2pp |
| Employer contribution / active EE | $4,443 | $2,882+54.2% | $2,549+74.3% | $4,194+5.9% |
| Participant deferral / active EE | $2,551 | $5,225-51.2% | $4,614-44.7% | $6,396-60.1% |
| Admin fee / account holder | $1,297 | $8,748-85.2% | $7,673-83.1% | $12,562-89.7% |