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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 | $72,311 | $86,298-16.2% | $111,308-35.0% | $85,847-15.8% |
| Participation rate | 98.1% | 73.3%+24.7pp | 77.3%+20.8pp | 69.3%+28.8pp |
| Annual return | 14.13% | 19.99%-5.9pp | 54.67%-40.5pp | 318.61%-304.5pp |
| Employer contribution / active EE | $1,960 | $2,044-4.1% | $2,732-28.3% | $2,565-23.6% |
| Participant deferral / active EE | $4,280 | $3,641+17.6% | $4,487-4.6% | $3,952+8.3% |
| Admin fee / account holder | $7,402 | $8,189-9.6% | $7,965-7.1% | $6,261+18.2% |