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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 | $72,566 | $111,535-34.9% | $105,223-31.0% | $137,256-47.1% |
| Participation rate | 81.0% | 78.1%+2.9pp | 75.0%+5.9pp | 80.0%+1.0pp |
| Annual return | 18.85% | 237.85%-219.0pp | 180.65%-161.8pp | 220.34%-201.5pp |
| Employer contribution / active EE | $2,255 | $3,939-42.8% | $3,689-38.9% | $4,156-45.7% |
| Participant deferral / active EE | $4,510 | $5,500-18.0% | $5,072-11.1% | $6,407-29.6% |
| Admin fee / account holder | $840 | $9,721-91.4% | $8,859-90.5% | $12,270-93.2% |