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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 | $80,164 | $150,346-46.7% | $120,524-33.5% | $145,877-45.0% |
| Participation rate | 86.4% | 78.8%+7.6pp | 71.9%+14.4pp | 80.3%+6.1pp |
| Annual return | 18.00% | 154.40%-136.4pp | 107.36%-89.4pp | 551.28%-533.3pp |
| Employer contribution / active EE | $1,927 | $4,353-55.7% | $3,469-44.4% | $4,663-58.7% |
| Participant deferral / active EE | $4,947 | $6,172-19.9% | $4,994-0.9% | $6,691-26.1% |
| Admin fee / account holder | $2,838 | $12,215-76.8% | $9,440-69.9% | $13,402-78.8% |