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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 | $70,382 | $127,790-44.9% | $106,555-33.9% | $167,536-58.0% |
| Participation rate | 87.5% | 78.3%+9.2pp | 76.1%+11.4pp | 82.1%+5.4pp |
| Annual return | 26.07% | 33.88%-7.8pp | 26.80%-0.7pp | 478.82%-452.8pp |
| Employer contribution / active EE | $2,608 | $3,428-23.9% | $2,819-7.5% | $4,839-46.1% |
| Participant deferral / active EE | $6,069 | $5,088+19.3% | $4,399+38.0% | $6,342-4.3% |
| Admin fee / account holder | $3,085 | $11,229-72.5% | $7,408-58.4% | $12,315-74.9% |