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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 | $82,775 | $90,486-8.5% | $78,676+5.2% | $273,972-69.8% |
| Participation rate | 94.1% | 76.5%+17.6pp | 73.6%+20.6pp | 83.0%+11.1pp |
| Annual return | 7.20% | 75.62%-68.4pp | 62.19%-55.0pp | 41.46%-34.3pp |
| Employer contribution / active EE | $1,421 | $3,175-55.3% | $2,850-50.2% | $4,869-70.8% |
| Participant deferral / active EE | $2,663 | $3,901-31.7% | $3,517-24.3% | $5,287-49.6% |
| Admin fee / account holder | $1,650 | $5,263-68.6% | $4,510-63.4% | $10,133-83.7% |