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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 | $95,271 | $121,677-21.7% | $104,625-8.9% | $158,966-40.1% |
| Participation rate | 90.9% | 77.5%+13.4pp | 74.1%+16.8pp | 82.0%+8.9pp |
| Annual return | 24.54% | 465.58%-441.0pp | 340.60%-316.1pp | 302.95%-278.4pp |
| Employer contribution / active EE | $2,243 | $3,165-29.1% | $2,681-16.4% | $4,762-52.9% |
| Participant deferral / active EE | $6,831 | $4,175+63.6% | $3,738+82.8% | $5,983+14.2% |
| Admin fee / account holder | $740 | $7,777-90.5% | $6,465-88.6% | $11,250-93.4% |