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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 | $89,304 | $157,296-43.2% | $141,191-36.7% | $152,897-41.6% |
| Participation rate | 95.2% | 84.8%+10.4pp | 82.5%+12.8pp | 82.5%+12.8pp |
| Annual return | 23.01% | 64.34%-41.3pp | 71.41%-48.4pp | 345.43%-322.4pp |
| Employer contribution / active EE | $2,596 | $5,262-50.7% | $4,736-45.2% | $4,764-45.5% |
| Participant deferral / active EE | $8,314 | $7,111+16.9% | $6,710+23.9% | $5,851+42.1% |
| Admin fee / account holder | $7,016 | $12,125-42.1% | $10,264-31.6% | $11,599-39.5% |