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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 | $120,831 | $157,296-23.2% | $141,191-14.4% | $152,897-21.0% |
| Participation rate | 93.8% | 84.8%+8.9pp | 82.5%+11.3pp | 82.5%+11.3pp |
| Annual return | 22.12% | 64.34%-42.2pp | 71.41%-49.3pp | 345.43%-323.3pp |
| Employer contribution / active EE | $3,471 | $5,262-34.0% | $4,736-26.7% | $4,764-27.1% |
| Participant deferral / active EE | $7,190 | $7,111+1.1% | $6,710+7.2% | $5,851+22.9% |
| Admin fee / account holder | $502 | $12,125-95.9% | $10,264-95.1% | $11,599-95.7% |