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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 | $59,337 | $107,079-44.6% | $151,266-60.8% | $87,485-32.2% |
| Participation rate | 81.3% | 71.1%+10.2pp | 77.0%+4.3pp | 68.9%+12.3pp |
| Annual return | 18.08% | 22.17%-4.1pp | 180.60%-162.5pp | 26.06%-8.0pp |
| Employer contribution / active EE | $3,001 | $3,174-5.4% | $4,237-29.2% | $2,596+15.6% |
| Participant deferral / active EE | $8,392 | $5,789+45.0% | $7,337+14.4% | $4,274+96.4% |
| Admin fee / account holder | $8,712 | $8,059+8.1% | $13,159-33.8% | $7,775+12.1% |