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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 | $68,592 | $111,814-38.7% | $103,378-33.6% | $145,978-53.0% |
| Participation rate | 78.6% | 77.9%+0.6pp | 74.5%+4.1pp | 80.3%-1.7pp |
| Annual return | 21.04% | 24.80%-3.8pp | 24.91%-3.9pp | 550.52%-529.5pp |
| Employer contribution / active EE | $8,763 | $4,215+107.9% | $3,870+126.4% | $4,662+88.0% |
| Participant deferral / active EE | $4,650 | $5,618-17.2% | $5,058-8.1% | $6,690-30.5% |
| Admin fee / account holder | $3,851 | $9,764-60.6% | $8,401-54.2% | $13,400-71.3% |