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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 | $56,726 | $114,119-50.3% | $107,187-47.1% | $138,895-59.2% |
| Participation rate | 93.8% | 78.1%+15.7pp | 75.0%+18.7pp | 79.9%+13.8pp |
| Annual return | 14.92% | 273.21%-258.3pp | 204.55%-189.6pp | 145.39%-130.5pp |
| Employer contribution / active EE | $5,289 | $4,059+30.3% | $3,782+39.8% | $4,194+26.1% |
| Participant deferral / active EE | $2,288 | $5,538-58.7% | $5,096-55.1% | $6,396-64.2% |
| Admin fee / account holder | $9,514 | $10,024-5.1% | $9,162+3.8% | $12,562-24.3% |