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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 | $72,827 | $90,504-19.5% | $78,690-7.5% | $273,965-73.4% |
| Participation rate | 87.5% | 76.5%+11.0pp | 73.6%+13.9pp | 83.0%+4.5pp |
| Annual return | 6.33% | 75.61%-69.3pp | 62.18%-55.8pp | 41.45%-35.1pp |
| Employer contribution / active EE | $2,102 | $3,176-33.8% | $2,851-26.3% | $4,869-56.8% |
| Participant deferral / active EE | $3,952 | $3,901+1.3% | $3,517+12.4% | $5,287-25.3% |
| Admin fee / account holder | $374 | $5,263-92.9% | $4,511-91.7% | $10,132-96.3% |