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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 | $88,383 | $172,111-48.6% | $150,298-41.2% | $137,256-35.6% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 11.82% | 69.37%-57.6pp | 62.79%-51.0pp | 220.34%-208.5pp |
| Employer contribution / active EE | $6,432 | $4,636+38.7% | $4,154+54.8% | $4,156+54.8% |
| Participant deferral / active EE | $14,931 | $6,166+142.2% | $5,453+173.8% | $6,407+133.0% |
| Admin fee / account holder | $13,247 | $16,471-19.6% | $14,116-6.2% | $12,270+8.0% |