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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 | $99,986 | $148,629-32.7% | $135,982-26.5% | $139,487-28.3% |
| Participation rate | 95.2% | 83.9%+11.4pp | 81.9%+13.3pp | 80.3%+14.9pp |
| Annual return | 16.88% | 79.33%-62.4pp | 68.32%-51.4pp | 373.84%-357.0pp |
| Employer contribution / active EE | $3,465 | $5,247-34.0% | $4,859-28.7% | $4,755-27.1% |
| Participant deferral / active EE | $3,874 | $8,102-52.2% | $7,760-50.1% | $6,713-42.3% |
| Admin fee / account holder | $566 | $12,406-95.4% | $10,767-94.7% | $11,407-95.0% |