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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 | $93,345-22.7% | $119,126-39.4% | $87,485-17.5% |
| Participation rate | 89.5% | 68.7%+20.7pp | 75.8%+13.7pp | 68.9%+20.5pp |
| Annual return | 14.63% | 19.08%-4.4pp | 282.11%-267.5pp | 26.06%-11.4pp |
| Employer contribution / active EE | $2,613 | $3,172-17.6% | $4,034-35.2% | $2,596+0.7% |
| Participant deferral / active EE | $4,988 | $4,099+21.7% | $5,318-6.2% | $4,274+16.7% |
| Admin fee / account holder | $6,017 | $8,039-25.1% | $10,693-43.7% | $7,775-22.6% |