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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 | $103,789 | $157,304-34.0% | $141,197-26.5% | $152,909-32.1% |
| Participation rate | 85.0% | 84.8%+0.2pp | 82.5%+2.5pp | 82.5%+2.5pp |
| Annual return | 23.37% | 64.34%-41.0pp | 71.41%-48.0pp | 345.46%-322.1pp |
| Employer contribution / active EE | $2,811 | $5,263-46.6% | $4,736-40.7% | $4,764-41.0% |
| Participant deferral / active EE | $8,028 | $7,111+12.9% | $6,710+19.6% | $5,851+37.2% |
| Admin fee / account holder | $7,493 | $12,126-38.2% | $10,265-27.0% | $11,601-35.4% |