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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 | $86,995 | $162,136-46.3% | $152,301-42.9% | $154,746-43.8% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 19.32% | 91.02%-71.7pp | 80.50%-61.2pp | 172.34%-153.0pp |
| Employer contribution / active EE | $1,388 | $4,890-71.6% | $4,624-70.0% | $4,379-68.3% |
| Participant deferral / active EE | $5,293 | $8,341-36.5% | $8,004-33.9% | $6,730-21.4% |
| Admin fee / account holder | $409 | $15,759-97.4% | $14,398-97.2% | $14,365-97.2% |