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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 | $65,082 | $93,346-30.3% | $71,796-9.4% | $273,972-76.2% |
| Participation rate | 88.9% | 76.5%+12.4pp | 69.1%+19.8pp | 83.0%+5.9pp |
| Annual return | 9.32% | 130.39%-121.1pp | 78.04%-68.7pp | 41.46%-32.1pp |
| Employer contribution / active EE | $1,490 | $2,733-45.5% | $1,924-22.6% | $4,869-69.4% |
| Participant deferral / active EE | $6,116 | $3,475+76.0% | $2,794+118.8% | $5,287+15.7% |
| Admin fee / account holder | $7,645 | $6,571+16.3% | $4,815+58.8% | $10,133-24.6% |