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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 | $68,672 | $88,672-22.6% | $105,223-34.7% | $82,448-16.7% |
| Participation rate | 76.4% | 67.9%+8.4pp | 75.0%+1.3pp | 68.1%+8.3pp |
| Annual return | 17.90% | 30.86%-13.0pp | 180.65%-162.7pp | 41.64%-23.7pp |
| Employer contribution / active EE | $3,007 | $3,048-1.3% | $3,689-18.5% | $2,551+17.9% |
| Participant deferral / active EE | $4,466 | $4,036+10.7% | $5,072-11.9% | $4,139+7.9% |
| Admin fee / account holder | $391 | $7,146-94.5% | $8,859-95.6% | $7,234-94.6% |