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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 | $81,529 | $165,361-50.7% | $149,715-45.5% | $158,950-48.7% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 14.21% | 348.24%-334.0pp | 276.66%-262.5pp | 302.91%-288.7pp |
| Employer contribution / active EE | $4,789 | $5,103-6.2% | $4,645+3.1% | $4,762+0.6% |
| Participant deferral / active EE | $7,807 | $7,182+8.7% | $6,842+14.1% | $5,983+30.5% |
| Admin fee / account holder | $3,533 | $10,808-67.3% | $9,310-62.0% | $11,248-68.6% |