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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 | $67,775 | $89,259-24.1% | $107,187-36.8% | $82,637-18.0% |
| Participation rate | 77.4% | 67.9%+9.5pp | 75.0%+2.4pp | 68.1%+9.4pp |
| Annual return | 20.01% | 21.02%-1.0pp | 204.55%-184.5pp | 53.51%-33.5pp |
| Employer contribution / active EE | $1,782 | $3,080-42.1% | $3,782-52.9% | $2,552-30.2% |
| Participant deferral / active EE | $4,742 | $4,037+17.5% | $5,096-6.9% | $4,126+14.9% |
| Admin fee / account holder | $5,977 | $7,381-19.0% | $9,162-34.8% | $7,339-18.6% |