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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 | $55,906 | $165,361-66.2% | $149,715-62.7% | $158,950-64.8% |
| Participation rate | 89.5% | 84.6%+4.9pp | 82.5%+7.0pp | 82.0%+7.5pp |
| Annual return | 25.94% | 348.24%-322.3pp | 276.66%-250.7pp | 302.91%-277.0pp |
| Employer contribution / active EE | $3,610 | $5,103-29.3% | $4,645-22.3% | $4,762-24.2% |
| Participant deferral / active EE | $10,288 | $7,182+43.3% | $6,842+50.4% | $5,983+72.0% |
| Admin fee / account holder | $4,048 | $10,808-62.6% | $9,310-56.5% | $11,248-64.0% |