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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 | $89,425 | $162,136-44.8% | $152,301-41.3% | $154,746-42.2% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 21.21% | 91.02%-69.8pp | 80.50%-59.3pp | 172.34%-151.1pp |
| Employer contribution / active EE | $4,237 | $4,890-13.4% | $4,624-8.4% | $4,379-3.3% |
| Participant deferral / active EE | $11,563 | $8,341+38.6% | $8,004+44.5% | $6,730+71.8% |
| Admin fee / account holder | $11,512 | $15,759-27.0% | $14,398-20.0% | $14,365-19.9% |