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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 | $94,779 | $172,111-44.9% | $150,298-36.9% | $137,256-30.9% |
| Participation rate | 93.8% | 81.7%+12.0pp | 77.8%+16.0pp | 80.0%+13.8pp |
| Annual return | 18.62% | 69.37%-50.8pp | 62.79%-44.2pp | 220.34%-201.7pp |
| Employer contribution / active EE | $3,639 | $4,636-21.5% | $4,154-12.4% | $4,156-12.4% |
| Participant deferral / active EE | $8,790 | $6,166+42.6% | $5,453+61.2% | $6,407+37.2% |
| Admin fee / account holder | $2,226 | $16,471-86.5% | $14,116-84.2% | $12,270-81.9% |