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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 | $106,692 | $135,956-21.5% | $123,894-13.9% | $273,972-61.1% |
| Participation rate | 95.8% | 84.1%+11.8pp | 81.4%+14.4pp | 83.0%+12.8pp |
| Annual return | 5.84% | 56.63%-50.8pp | 47.52%-41.7pp | 41.46%-35.6pp |
| Employer contribution / active EE | $8,827 | $5,170+70.7% | $4,617+91.2% | $4,869+81.3% |
| Participant deferral / active EE | $4,066 | $6,343-35.9% | $5,984-32.1% | $5,287-23.1% |
| Admin fee / account holder | $2,981 | $9,817-69.6% | $8,357-64.3% | $10,133-70.6% |