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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 | $87,560 | $124,346-29.6% | $111,306-21.3% | $167,553-47.7% |
| Participation rate | 95.7% | 79.6%+16.0pp | 77.3%+18.3pp | 82.1%+13.5pp |
| Annual return | 18.45% | 37.46%-19.0pp | 54.67%-36.2pp | 478.89%-460.4pp |
| Employer contribution / active EE | $3,887 | $3,438+13.1% | $2,732+42.3% | $4,840-19.7% |
| Participant deferral / active EE | $5,900 | $5,182+13.9% | $4,488+31.5% | $6,343-7.0% |
| Admin fee / account holder | $974 | $10,623-90.8% | $7,966-87.8% | $12,316-92.1% |