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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 | $119,732 | $152,619-21.5% | $125,195-4.4% | $152,909-21.7% |
| Participation rate | 93.8% | 83.3%+10.4pp | 79.8%+14.0pp | 82.5%+11.3pp |
| Annual return | 16.02% | 54.85%-38.8pp | 43.79%-27.8pp | 345.46%-329.4pp |
| Employer contribution / active EE | $3,567 | $4,947-27.9% | $3,866-7.7% | $4,764-25.1% |
| Participant deferral / active EE | $3,676 | $5,869-37.4% | $4,937-25.5% | $5,851-37.2% |
| Admin fee / account holder | $3,467 | $13,437-74.2% | $9,704-64.3% | $11,601-70.1% |