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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 | $76,037 | $77,920-2.4% | $149,723-49.2% | $75,177+1.1% |
| Participation rate | 92.7% | 65.6%+27.1pp | 78.8%+13.9pp | 67.2%+25.5pp |
| Annual return | 18.91% | 31.72%-12.8pp | 134.50%-115.6pp | 160.75%-141.8pp |
| Employer contribution / active EE | $2,856 | $3,138-9.0% | $4,821-40.8% | $2,671+6.9% |
| Participant deferral / active EE | $6,430 | $3,411+88.5% | $5,682+13.2% | $4,126+55.8% |
| Admin fee / account holder | $9,524 | $5,951+60.0% | $13,215-27.9% | $5,651+68.5% |