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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 | $96,290 | $157,296-38.8% | $141,191-31.8% | $152,897-37.0% |
| Participation rate | 91.7% | 84.8%+6.8pp | 82.5%+9.2pp | 82.5%+9.2pp |
| Annual return | 34.38% | 64.34%-30.0pp | 71.41%-37.0pp | 345.43%-311.0pp |
| Employer contribution / active EE | $4,729 | $5,262-10.1% | $4,736-0.2% | $4,764-0.7% |
| Participant deferral / active EE | $7,607 | $7,111+7.0% | $6,710+13.4% | $5,851+30.0% |
| Admin fee / account holder | $35,591 | $12,125+193.5% | $10,264+246.8% | $11,599+206.8% |