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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 | $102,753 | $90,486+13.6% | $78,676+30.6% | $273,972-62.5% |
| Participation rate | 81.3% | 76.5%+4.7pp | 73.6%+7.7pp | 83.0%-1.8pp |
| Annual return | 8.15% | 75.62%-67.5pp | 62.19%-54.0pp | 41.46%-33.3pp |
| Employer contribution / active EE | $2,775 | $3,175-12.6% | $2,850-2.6% | $4,869-43.0% |
| Participant deferral / active EE | $4,378 | $3,901+12.2% | $3,517+24.5% | $5,287-17.2% |
| Admin fee / account holder | $1,178 | $5,263-77.6% | $4,510-73.9% | $10,133-88.4% |