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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 | $62,306 | $197,603-68.5% | $177,827-65.0% | $158,950-60.8% |
| Participation rate | 91.7% | 88.5%+3.1pp | 87.7%+3.9pp | 82.0%+9.7pp |
| Annual return | 33.59% | 58.76%-25.2pp | 48.32%-14.7pp | 302.91%-269.3pp |
| Employer contribution / active EE | $7,834 | $6,698+17.0% | $5,918+32.4% | $4,762+64.5% |
| Participant deferral / active EE | $12,243 | $8,404+45.7% | $7,713+58.7% | $5,983+104.6% |
| Admin fee / account holder | $3,962 | $15,402-74.3% | $12,429-68.1% | $11,248-64.8% |