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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 | $71,723 | $172,111-58.3% | $150,298-52.3% | $137,256-47.7% |
| Participation rate | 94.1% | 81.7%+12.4pp | 77.8%+16.4pp | 80.0%+14.2pp |
| Annual return | 19.14% | 69.37%-50.2pp | 62.79%-43.6pp | 220.34%-201.2pp |
| Employer contribution / active EE | $3,990 | $4,636-13.9% | $4,154-4.0% | $4,156-4.0% |
| Participant deferral / active EE | $5,186 | $6,166-15.9% | $5,453-4.9% | $6,407-19.1% |
| Admin fee / account holder | $355 | $16,471-97.8% | $14,116-97.5% | $12,270-97.1% |