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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 | $59,933 | $99,053-39.5% | $88,179-32.0% | $138,895-56.8% |
| Participation rate | 87.5% | 74.2%+13.3pp | 69.1%+18.4pp | 79.9%+7.6pp |
| Annual return | 13.87% | 78.17%-64.3pp | 64.97%-51.1pp | 145.39%-131.5pp |
| Employer contribution / active EE | $2,111 | $2,882-26.8% | $2,549-17.2% | $4,194-49.7% |
| Participant deferral / active EE | $4,241 | $5,225-18.8% | $4,614-8.1% | $6,396-33.7% |
| Admin fee / account holder | $412 | $8,748-95.3% | $7,673-94.6% | $12,562-96.7% |