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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 | $80,480 | $116,203-30.7% | $93,621-14.0% | $152,897-47.4% |
| Participation rate | 86.4% | 78.1%+8.3pp | 75.8%+10.5pp | 82.5%+3.9pp |
| Annual return | 24.79% | 35.96%-11.2pp | 32.76%-8.0pp | 345.43%-320.6pp |
| Employer contribution / active EE | $2,548 | $3,219-20.9% | $2,719-6.3% | $4,764-46.5% |
| Participant deferral / active EE | $6,040 | $4,605+31.2% | $4,070+48.4% | $5,851+3.2% |
| Admin fee / account holder | $1,072 | $10,751-90.0% | $7,890-86.4% | $11,599-90.8% |