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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 | $95,083 | $129,737-26.7% | $119,126-20.2% | $154,746-38.6% |
| Participation rate | 85.7% | 78.9%+6.9pp | 75.8%+10.0pp | 80.7%+5.0pp |
| Annual return | 13.34% | 379.08%-365.7pp | 282.11%-268.8pp | 172.34%-159.0pp |
| Employer contribution / active EE | $2,992 | $4,375-31.6% | $4,034-25.8% | $4,379-31.7% |
| Participant deferral / active EE | $7,017 | $5,842+20.1% | $5,318+31.9% | $6,730+4.3% |
| Admin fee / account holder | $2,021 | $11,961-83.1% | $10,693-81.1% | $14,365-85.9% |