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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 | $68,016 | $97,125-30.0% | $86,233-21.1% | $137,256-50.4% |
| Participation rate | 93.3% | 74.2%+19.1pp | 69.0%+24.3pp | 80.0%+13.4pp |
| Annual return | 15.71% | 74.19%-58.5pp | 61.39%-45.7pp | 220.34%-204.6pp |
| Employer contribution / active EE | $2,999 | $2,841+5.5% | $2,504+19.7% | $4,156-27.8% |
| Participant deferral / active EE | $6,877 | $5,180+32.8% | $4,559+50.8% | $6,407+7.3% |
| Admin fee / account holder | $4,093 | $9,725-57.9% | $8,342-50.9% | $12,270-66.6% |