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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 | $79,545 | $178,174-55.4% | $156,181-49.1% | $137,256-42.0% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.8%-3.8pp | 80.0%-5.0pp |
| Annual return | 17.80% | 84.19%-66.4pp | 64.87%-47.1pp | 220.34%-202.5pp |
| Employer contribution / active EE | $5,431 | $4,972+9.2% | $4,294+26.5% | $4,156+30.7% |
| Participant deferral / active EE | $19,877 | $6,888+188.6% | $6,132+224.1% | $6,407+210.2% |
| Admin fee / account holder | $5,703 | $17,404-67.2% | $14,586-60.9% | $12,270-53.5% |