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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 | $89,281 | $114,119-21.8% | $107,187-16.7% | $138,895-35.7% |
| Participation rate | 86.4% | 78.1%+8.3pp | 75.0%+11.3pp | 79.9%+6.4pp |
| Annual return | 19.40% | 273.21%-253.8pp | 204.55%-185.1pp | 145.39%-126.0pp |
| Employer contribution / active EE | $3,318 | $4,059-18.3% | $3,782-12.3% | $4,194-20.9% |
| Participant deferral / active EE | $6,879 | $5,538+24.2% | $5,096+35.0% | $6,396+7.6% |
| Admin fee / account holder | $765 | $10,024-92.4% | $9,162-91.7% | $12,562-93.9% |