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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 | $93,673 | $157,276-40.4% | $141,177-33.6% | $152,885-38.7% |
| Participation rate | 86.7% | 84.8%+1.8pp | 82.5%+4.2pp | 82.5%+4.2pp |
| Annual return | 28.97% | 64.33%-35.4pp | 71.40%-42.4pp | 345.39%-316.4pp |
| Employer contribution / active EE | $2,070 | $5,262-60.7% | $4,736-56.3% | $4,763-56.5% |
| Participant deferral / active EE | $4,698 | $7,110-33.9% | $6,710-30.0% | $5,851-19.7% |
| Admin fee / account holder | $856 | $12,123-92.9% | $10,263-91.7% | $11,598-92.6% |