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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 | $76,988 | $99,652-22.7% | $78,778-2.3% | $147,586-47.8% |
| Participation rate | 77.8% | 76.2%+1.5pp | 69.2%+8.6pp | 82.8%-5.1pp |
| Annual return | 19.75% | 47.28%-27.5pp | 35.62%-15.9pp | 578.59%-558.8pp |
| Employer contribution / active EE | $1,676 | $2,796-40.0% | $1,986-15.6% | $4,876-65.6% |
| Participant deferral / active EE | $4,514 | $3,664+23.2% | $2,958+52.6% | $5,439-17.0% |
| Admin fee / account holder | $7,908 | $7,155+10.5% | $5,134+54.0% | $10,886-27.4% |