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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 | $72,384 | $157,304-54.0% | $141,197-48.7% | $152,909-52.7% |
| Participation rate | 88.9% | 84.8%+4.1pp | 82.5%+6.4pp | 82.5%+6.4pp |
| Annual return | 19.93% | 64.34%-44.4pp | 71.41%-51.5pp | 345.46%-325.5pp |
| Employer contribution / active EE | $3,367 | $5,263-36.0% | $4,736-28.9% | $4,764-29.3% |
| Participant deferral / active EE | $8,869 | $7,111+24.7% | $6,710+32.2% | $5,851+51.6% |
| Admin fee / account holder | $5,780 | $12,126-52.3% | $10,265-43.7% | $11,601-50.2% |