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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 | $95,299 | $176,105-45.9% | $159,474-40.2% | $167,536-43.1% |
| Participation rate | 90.9% | 85.0%+6.0pp | 82.8%+8.1pp | 82.1%+8.8pp |
| Annual return | 15.54% | 331.91%-316.4pp | 263.68%-248.1pp | 478.82%-463.3pp |
| Employer contribution / active EE | $3,498 | $5,299-34.0% | $4,831-27.6% | $4,839-27.7% |
| Participant deferral / active EE | $8,461 | $7,751+9.2% | $7,353+15.1% | $6,342+33.4% |
| Admin fee / account holder | $3,007 | $12,559-76.1% | $10,802-72.2% | $12,315-75.6% |