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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 | $70,694 | $111,535-36.6% | $105,223-32.8% | $137,256-48.5% |
| Participation rate | 88.9% | 78.1%+10.8pp | 75.0%+13.8pp | 80.0%+8.9pp |
| Annual return | 17.36% | 237.85%-220.5pp | 180.65%-163.3pp | 220.34%-203.0pp |
| Employer contribution / active EE | $1,739 | $3,939-55.9% | $3,689-52.9% | $4,156-58.2% |
| Participant deferral / active EE | $3,279 | $5,500-40.4% | $5,072-35.3% | $6,407-48.8% |
| Admin fee / account holder | $939 | $9,721-90.3% | $8,859-89.4% | $12,270-92.3% |