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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 | $67,115 | $73,955-9.2% | $96,520-30.5% | $75,181-10.7% |
| Participation rate | 84.0% | 66.4%+17.6pp | 74.3%+9.7pp | 67.2%+16.8pp |
| Annual return | 22.61% | 26.72%-4.1pp | 35.72%-13.1pp | 160.69%-138.1pp |
| Employer contribution / active EE | $4,915 | $2,930+67.7% | $3,739+31.5% | $2,671+84.0% |
| Participant deferral / active EE | $4,491 | $3,659+22.7% | $4,879-7.9% | $4,126+8.9% |
| Admin fee / account holder | $897 | $5,217-82.8% | $6,733-86.7% | $5,650-84.1% |