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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 | $80,388 | $114,199-29.6% | $119,237-32.6% | $167,553-52.0% |
| Participation rate | 92.3% | 83.7%+8.6pp | 82.7%+9.6pp | 82.1%+10.2pp |
| Annual return | 11.32% | 29.88%-18.6pp | 30.70%-19.4pp | 478.89%-467.6pp |
| Employer contribution / active EE | $2,549 | $4,480-43.1% | $4,383-41.9% | $4,840-47.3% |
| Participant deferral / active EE | $7,723 | $6,086+26.9% | $6,112+26.3% | $6,343+21.8% |
| Admin fee / account holder | $7,871 | $8,939-11.9% | $7,229+8.9% | $12,316-36.1% |