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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 | $66,215 | $165,381-60.0% | $149,730-55.8% | $158,966-58.3% |
| Participation rate | 94.1% | 84.6%+9.5pp | 82.5%+11.6pp | 82.0%+12.2pp |
| Annual return | 15.60% | 348.29%-332.7pp | 276.70%-261.1pp | 302.95%-287.3pp |
| Employer contribution / active EE | $3,500 | $5,104-31.4% | $4,645-24.7% | $4,762-26.5% |
| Participant deferral / active EE | $8,312 | $7,182+15.7% | $6,843+21.5% | $5,983+38.9% |
| Admin fee / account holder | $7,670 | $10,809-29.0% | $9,310-17.6% | $11,250-31.8% |