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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 | $63,604 | $156,398-59.3% | $147,318-56.8% | $138,895-54.2% |
| Participation rate | 90.9% | 83.8%+7.2pp | 82.1%+8.8pp | 79.9%+11.0pp |
| Annual return | 41.46% | 78.75%-37.3pp | 70.43%-29.0pp | 145.39%-103.9pp |
| Employer contribution / active EE | $2,716 | $4,853-44.0% | $4,593-40.9% | $4,194-35.2% |
| Participant deferral / active EE | $8,317 | $8,237+1.0% | $7,906+5.2% | $6,396+30.0% |
| Admin fee / account holder | $8,163 | $14,976-45.5% | $13,708-40.5% | $12,562-35.0% |