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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 | $67,016 | $89,259-24.9% | $107,187-37.5% | $82,637-18.9% |
| Participation rate | 77.4% | 67.9%+9.4pp | 75.0%+2.3pp | 68.1%+9.3pp |
| Annual return | 18.43% | 21.02%-2.6pp | 204.55%-186.1pp | 53.51%-35.1pp |
| Employer contribution / active EE | $1,913 | $3,080-37.9% | $3,782-49.4% | $2,552-25.1% |
| Participant deferral / active EE | $4,420 | $4,037+9.5% | $5,096-13.3% | $4,126+7.1% |
| Admin fee / account holder | $9,716 | $7,381+31.6% | $9,162+6.0% | $7,339+32.4% |