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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 | $76,651 | $93,345-17.9% | $119,126-35.7% | $87,485-12.4% |
| Participation rate | 70.1% | 68.7%+1.4pp | 75.8%-5.6pp | 68.9%+1.2pp |
| Annual return | 13.53% | 19.08%-5.6pp | 282.11%-268.6pp | 26.06%-12.5pp |
| Employer contribution / active EE | $3,376 | $3,172+6.5% | $4,034-16.3% | $2,596+30.1% |
| Participant deferral / active EE | $7,587 | $4,099+85.1% | $5,318+42.7% | $4,274+77.5% |
| Admin fee / account holder | $4,902 | $8,039-39.0% | $10,693-54.2% | $7,775-36.9% |