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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 | $80,104 | $129,737-38.3% | $119,126-32.8% | $154,746-48.2% |
| Participation rate | 95.7% | 78.9%+16.8pp | 75.8%+19.9pp | 80.7%+15.0pp |
| Annual return | 14.51% | 379.08%-364.6pp | 282.11%-267.6pp | 172.34%-157.8pp |
| Employer contribution / active EE | $2,111 | $4,375-51.7% | $4,034-47.7% | $4,379-51.8% |
| Participant deferral / active EE | $4,580 | $5,842-21.6% | $5,318-13.9% | $6,730-31.9% |
| Admin fee / account holder | $7,323 | $11,961-38.8% | $10,693-31.5% | $14,365-49.0% |