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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 | $138,551 | $165,381-16.2% | $149,730-7.5% | $158,966-12.8% |
| Participation rate | 90.0% | 84.6%+5.4pp | 82.5%+7.5pp | 82.0%+8.0pp |
| Annual return | 18.57% | 348.29%-329.7pp | 276.70%-258.1pp | 302.95%-284.4pp |
| Employer contribution / active EE | $3,012 | $5,104-41.0% | $4,645-35.2% | $4,762-36.8% |
| Participant deferral / active EE | $5,232 | $7,182-27.2% | $6,843-23.5% | $5,983-12.6% |
| Admin fee / account holder | $2,871 | $10,809-73.4% | $9,310-69.2% | $11,250-74.5% |