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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 | $67,622 | $77,638-12.9% | $156,551-56.8% | $62,881+7.5% |
| Participation rate | 87.1% | 71.2%+15.9pp | 84.0%+3.1pp | 69.3%+17.8pp |
| Annual return | 8.67% | 50.33%-41.7pp | 32.23%-23.6pp | 20.14%-11.5pp |
| Employer contribution / active EE | $2,475 | $3,444-28.1% | $5,501-55.0% | $2,281+8.5% |
| Participant deferral / active EE | $2,208 | $3,046-27.5% | $4,871-54.7% | $3,203-31.1% |
| Admin fee / account holder | $473 | $5,561-91.5% | $13,028-96.4% | $4,296-89.0% |