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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 | $64,313 | $162,136-60.3% | $152,301-57.8% | $154,746-58.4% |
| Participation rate | 91.7% | 84.1%+7.6pp | 82.4%+9.2pp | 80.7%+11.0pp |
| Annual return | 11.66% | 91.02%-79.4pp | 80.50%-68.8pp | 172.34%-160.7pp |
| Employer contribution / active EE | $6,483 | $4,890+32.6% | $4,624+40.2% | $4,379+48.0% |
| Participant deferral / active EE | $4,178 | $8,341-49.9% | $8,004-47.8% | $6,730-37.9% |
| Admin fee / account holder | $6,561 | $15,759-58.4% | $14,398-54.4% | $14,365-54.3% |