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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 | $78,279 | $91,559-14.5% | $133,978-41.6% | $79,856-2.0% |
| Participation rate | 75.7% | 73.3%+2.3pp | 79.8%-4.2pp | 69.6%+6.0pp |
| Annual return | 10.86% | 61.85%-51.0pp | 45.10%-34.2pp | 31.71%-20.8pp |
| Employer contribution / active EE | $1,641 | $2,384-31.1% | $3,919-58.1% | $2,471-33.6% |
| Participant deferral / active EE | $3,459 | $3,734-7.4% | $5,047-31.5% | $3,741-7.5% |
| Admin fee / account holder | $3,884 | $6,321-38.6% | $8,930-56.5% | $5,306-26.8% |