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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 | $63,283 | $108,882-41.9% | $96,754-34.6% | $154,746-59.1% |
| Participation rate | 83.3% | 75.1%+8.3pp | 70.3%+13.1pp | 80.7%+2.6pp |
| Annual return | 12.68% | 98.39%-85.7pp | 82.04%-69.4pp | 172.34%-159.7pp |
| Employer contribution / active EE | $3,308 | $3,018+9.6% | $2,679+23.5% | $4,379-24.4% |
| Participant deferral / active EE | $5,199 | $5,323-2.3% | $4,758+9.3% | $6,730-22.8% |
| Admin fee / account holder | $3,718 | $10,200-63.5% | $8,905-58.2% | $14,365-74.1% |