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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 | $90,938 | $107,368-15.3% | $92,915-2.1% | $152,909-40.5% |
| Participation rate | 95.0% | 79.8%+15.2pp | 76.0%+19.0pp | 82.5%+12.5pp |
| Annual return | 23.77% | 145.64%-121.9pp | 109.45%-85.7pp | 345.46%-321.7pp |
| Employer contribution / active EE | $2,991 | $4,222-29.2% | $3,653-18.1% | $4,764-37.2% |
| Participant deferral / active EE | $8,875 | $4,848+83.1% | $4,238+109.4% | $5,851+51.7% |
| Admin fee / account holder | $1,316 | $7,082-81.4% | $5,796-77.3% | $11,601-88.7% |