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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 | $125,509 | $165,361-24.1% | $149,715-16.2% | $158,950-21.0% |
| Participation rate | 93.8% | 84.6%+9.2pp | 82.5%+11.3pp | 82.0%+11.8pp |
| Annual return | 13.51% | 348.24%-334.7pp | 276.66%-263.1pp | 302.91%-289.4pp |
| Employer contribution / active EE | $1,886 | $5,103-63.1% | $4,645-59.4% | $4,762-60.4% |
| Participant deferral / active EE | $7,052 | $7,182-1.8% | $6,842+3.1% | $5,983+17.9% |
| Admin fee / account holder | $1,304 | $10,808-87.9% | $9,310-86.0% | $11,248-88.4% |