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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 | $89,782 | $157,304-42.9% | $141,197-36.4% | $152,909-41.3% |
| Participation rate | 90.0% | 84.8%+5.2pp | 82.5%+7.5pp | 82.5%+7.5pp |
| Annual return | 26.15% | 64.34%-38.2pp | 71.41%-45.3pp | 345.46%-319.3pp |
| Employer contribution / active EE | $2,753 | $5,263-47.7% | $4,736-41.9% | $4,764-42.2% |
| Participant deferral / active EE | $7,377 | $7,111+3.7% | $6,710+9.9% | $5,851+26.1% |
| Admin fee / account holder | $8,188 | $12,126-32.5% | $10,265-20.2% | $11,601-29.4% |