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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 | $84,793 | $157,304-46.1% | $141,197-39.9% | $152,909-44.5% |
| Participation rate | 86.7% | 84.8%+1.8pp | 82.5%+4.2pp | 82.5%+4.2pp |
| Annual return | 23.17% | 64.34%-41.2pp | 71.41%-48.2pp | 345.46%-322.3pp |
| Employer contribution / active EE | $3,424 | $5,263-34.9% | $4,736-27.7% | $4,764-28.1% |
| Participant deferral / active EE | $8,253 | $7,111+16.1% | $6,710+23.0% | $5,851+41.0% |
| Admin fee / account holder | $1,136 | $12,126-90.6% | $10,265-88.9% | $11,601-90.2% |