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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 | $58,281 | $165,381-64.8% | $149,730-61.1% | $158,966-63.3% |
| Participation rate | 85.7% | 84.6%+1.1pp | 82.5%+3.2pp | 82.0%+3.8pp |
| Annual return | 21.58% | 348.29%-326.7pp | 276.70%-255.1pp | 302.95%-281.4pp |
| Employer contribution / active EE | $4,754 | $5,104-6.9% | $4,645+2.3% | $4,762-0.2% |
| Participant deferral / active EE | $9,335 | $7,182+30.0% | $6,843+36.4% | $5,983+56.0% |
| Admin fee / account holder | $4,504 | $10,809-58.3% | $9,310-51.6% | $11,250-60.0% |