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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 | $79,718 | $81,208-1.8% | $98,920-19.4% | $79,856-0.2% |
| Participation rate | 92.5% | 72.5%+20.0pp | 76.0%+16.5pp | 69.6%+22.9pp |
| Annual return | 14.15% | 60.99%-46.8pp | 196.47%-182.3pp | 31.71%-17.6pp |
| Employer contribution / active EE | $2,731 | $1,960+39.4% | $2,689+1.6% | $2,471+10.5% |
| Participant deferral / active EE | $3,845 | $3,265+17.8% | $4,245-9.4% | $3,741+2.8% |
| Admin fee / account holder | $715 | $6,013-88.1% | $6,643-89.2% | $5,306-86.5% |