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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 | $93,073 | $157,304-40.8% | $141,197-34.1% | $152,909-39.1% |
| Participation rate | 92.3% | 84.8%+7.5pp | 82.5%+9.8pp | 82.5%+9.9pp |
| Annual return | 28.03% | 64.34%-36.3pp | 71.41%-43.4pp | 345.46%-317.4pp |
| Employer contribution / active EE | $4,522 | $5,263-14.1% | $4,736-4.5% | $4,764-5.1% |
| Participant deferral / active EE | $6,334 | $7,111-10.9% | $6,710-5.6% | $5,851+8.3% |
| Admin fee / account holder | $1,836 | $12,126-84.9% | $10,265-82.1% | $11,601-84.2% |