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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 | $62,613 | $135,956-53.9% | $123,894-49.5% | $273,972-77.1% |
| Participation rate | 88.9% | 84.1%+4.8pp | 81.4%+7.5pp | 83.0%+5.9pp |
| Annual return | 10.84% | 56.63%-45.8pp | 47.52%-36.7pp | 41.46%-30.6pp |
| Employer contribution / active EE | $10,335 | $5,170+99.9% | $4,617+123.9% | $4,869+112.3% |
| Participant deferral / active EE | $5,421 | $6,343-14.5% | $5,984-9.4% | $5,287+2.5% |
| Admin fee / account holder | $1,381 | $9,817-85.9% | $8,357-83.5% | $10,133-86.4% |