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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 | $83,367 | $114,013-26.9% | $103,693-19.6% | $155,188-46.3% |
| Participation rate | 85.7% | 75.2%+10.5pp | 72.6%+13.1pp | 80.8%+4.9pp |
| Annual return | 15.44% | 49.31%-33.9pp | 47.61%-32.2pp | 148.84%-133.4pp |
| Employer contribution / active EE | $2,915 | $3,131-6.9% | $2,920-0.2% | $4,248-31.4% |
| Participant deferral / active EE | $6,910 | $4,970+39.0% | $4,579+50.9% | $6,531+5.8% |
| Admin fee / account holder | $15,709 | $8,407+86.9% | $7,858+99.9% | $14,480+8.5% |