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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 | $39,807 | $157,276-74.7% | $141,177-71.8% | $152,885-74.0% |
| Participation rate | 87.5% | 84.8%+2.7pp | 82.5%+5.0pp | 82.5%+5.0pp |
| Annual return | 25.35% | 64.33%-39.0pp | 71.40%-46.1pp | 345.39%-320.0pp |
| Employer contribution / active EE | $1,935 | $5,262-63.2% | $4,736-59.1% | $4,763-59.4% |
| Participant deferral / active EE | $8,584 | $7,110+20.7% | $6,710+27.9% | $5,851+46.7% |
| Admin fee / account holder | $1,740 | $12,123-85.6% | $10,263-83.0% | $11,598-85.0% |