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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 | $72,692 | $98,463-26.2% | $119,258-39.0% | $85,847-15.3% |
| Participation rate | 85.3% | 77.6%+7.7pp | 82.7%+2.6pp | 69.3%+16.0pp |
| Annual return | 20.05% | 38.53%-18.5pp | 30.69%-10.6pp | 318.61%-298.6pp |
| Employer contribution / active EE | $2,969 | $3,698-19.7% | $4,384-32.3% | $2,565+15.7% |
| Participant deferral / active EE | $4,760 | $4,942-3.7% | $6,111-22.1% | $3,952+20.4% |
| Admin fee / account holder | $8,216 | $7,493+9.7% | $7,226+13.7% | $6,261+31.2% |