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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 | $124,850 | $165,361-24.5% | $149,715-16.6% | $158,950-21.5% |
| Participation rate | 94.7% | 84.6%+10.2pp | 82.5%+12.3pp | 82.0%+12.8pp |
| Annual return | 25.48% | 348.24%-322.8pp | 276.66%-251.2pp | 302.91%-277.4pp |
| Employer contribution / active EE | $5,000 | $5,103-2.0% | $4,645+7.7% | $4,762+5.0% |
| Participant deferral / active EE | $8,441 | $7,182+17.5% | $6,842+23.4% | $5,983+41.1% |
| Admin fee / account holder | $3,405 | $10,808-68.5% | $9,310-63.4% | $11,248-69.7% |