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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 | $72,896 | $121,701-40.1% | $104,639-30.3% | $158,982-54.1% |
| Participation rate | 87.5% | 77.5%+10.0pp | 74.1%+13.4pp | 82.0%+5.5pp |
| Annual return | 22.27% | 465.72%-443.4pp | 340.67%-318.4pp | 302.99%-280.7pp |
| Employer contribution / active EE | $3,128 | $3,165-1.2% | $2,682+16.6% | $4,763-34.3% |
| Participant deferral / active EE | $7,697 | $4,176+84.3% | $3,738+105.9% | $5,983+28.6% |
| Admin fee / account holder | $387 | $7,778-95.0% | $6,465-94.0% | $11,252-96.6% |