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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 | $81,557 | $102,938-20.8% | $94,105-13.3% | $138,895-41.3% |
| Participation rate | 90.9% | 74.6%+16.3pp | 71.9%+19.0pp | 79.9%+11.0pp |
| Annual return | 23.35% | 250.28%-226.9pp | 204.55%-181.2pp | 145.39%-122.0pp |
| Employer contribution / active EE | $1,993 | $2,732-27.0% | $2,504-20.4% | $4,194-52.5% |
| Participant deferral / active EE | $5,988 | $4,196+42.7% | $3,881+54.3% | $6,396-6.4% |
| Admin fee / account holder | $745 | $6,600-88.7% | $6,199-88.0% | $12,562-94.1% |