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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 | $150,207-46.6% | $120,380-33.4% | $145,978-45.1% |
| Participation rate | 86.4% | 78.8%+7.6pp | 71.9%+14.5pp | 80.3%+6.1pp |
| Annual return | 18.00% | 154.28%-136.3pp | 107.28%-89.3pp | 550.52%-532.5pp |
| Employer contribution / active EE | $1,927 | $4,351-55.7% | $3,465-44.4% | $4,662-58.7% |
| Participant deferral / active EE | $4,947 | $6,175-19.9% | $4,992-0.9% | $6,690-26.1% |
| Admin fee / account holder | $2,838 | $12,203-76.7% | $9,421-69.9% | $13,400-78.8% |