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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 | $119,989 | $157,276-23.7% | $141,177-15.0% | $152,885-21.5% |
| Participation rate | 94.7% | 84.8%+9.9pp | 82.5%+12.3pp | 82.5%+12.3pp |
| Annual return | 21.11% | 64.33%-43.2pp | 71.40%-50.3pp | 345.39%-324.3pp |
| Employer contribution / active EE | $3,841 | $5,262-27.0% | $4,736-18.9% | $4,763-19.4% |
| Participant deferral / active EE | $7,234 | $7,110+1.7% | $6,710+7.8% | $5,851+23.6% |
| Admin fee / account holder | $4,765 | $12,123-60.7% | $10,263-53.6% | $11,598-58.9% |