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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 | $72,194 | $88,672-18.6% | $105,223-31.4% | $82,448-12.4% |
| Participation rate | 89.5% | 67.9%+21.5pp | 75.0%+14.4pp | 68.1%+21.4pp |
| Annual return | 14.63% | 30.86%-16.2pp | 180.65%-166.0pp | 41.64%-27.0pp |
| Employer contribution / active EE | $2,613 | $3,048-14.3% | $3,689-29.1% | $2,551+2.4% |
| Participant deferral / active EE | $4,988 | $4,036+23.6% | $5,072-1.6% | $4,139+20.5% |
| Admin fee / account holder | $6,017 | $7,146-15.8% | $8,859-32.1% | $7,234-16.8% |