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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 | $68,533 | $178,174-61.5% | $156,181-56.1% | $137,256-50.1% |
| Participation rate | 85.7% | 82.0%+3.7pp | 78.8%+6.9pp | 80.0%+5.8pp |
| Annual return | 17.75% | 84.19%-66.4pp | 64.87%-47.1pp | 220.34%-202.6pp |
| Employer contribution / active EE | $3,271 | $4,972-34.2% | $4,294-23.8% | $4,156-21.3% |
| Participant deferral / active EE | $7,548 | $6,888+9.6% | $6,132+23.1% | $6,407+17.8% |
| Admin fee / account holder | $9,224 | $17,404-47.0% | $14,586-36.8% | $12,270-24.8% |