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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 | $119,348 | $175,259-31.9% | $149,723-20.3% | $139,487-14.4% |
| Participation rate | 95.0% | 83.4%+11.6pp | 78.8%+16.2pp | 80.3%+14.7pp |
| Annual return | 16.77% | 166.82%-150.1pp | 134.50%-117.7pp | 373.84%-357.1pp |
| Employer contribution / active EE | $1,994 | $5,478-63.6% | $4,821-58.6% | $4,755-58.1% |
| Participant deferral / active EE | $4,697 | $6,522-28.0% | $5,682-17.4% | $6,713-30.0% |
| Admin fee / account holder | $4,510 | $16,158-72.1% | $13,215-65.9% | $11,407-60.5% |