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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 | $92,985 | $183,627-49.4% | $155,602-40.2% | $145,978-36.3% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 25.34% | 61.32%-36.0pp | 64.81%-39.5pp | 550.52%-525.2pp |
| Employer contribution / active EE | $2,772 | $5,316-47.9% | $4,675-40.7% | $4,662-40.5% |
| Participant deferral / active EE | $5,297 | $6,466-18.1% | $5,629-5.9% | $6,690-20.8% |
| Admin fee / account holder | $1,308 | $19,327-93.2% | $15,923-91.8% | $13,400-90.2% |