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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 | $49,599 | $185,312-73.2% | $161,489-69.3% | $154,746-67.9% |
| Participation rate | 84.6% | 82.5%+2.2pp | 78.7%+5.9pp | 80.7%+3.9pp |
| Annual return | 25.46% | 103.84%-78.4pp | 89.72%-64.3pp | 172.34%-146.9pp |
| Employer contribution / active EE | $2,668 | $4,769-44.1% | $4,268-37.5% | $4,379-39.1% |
| Participant deferral / active EE | $8,135 | $6,350+28.1% | $5,630+44.5% | $6,730+20.9% |
| Admin fee / account holder | $4,089 | $18,654-78.1% | $16,006-74.5% | $14,365-71.5% |