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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 | $85,036 | $157,296-45.9% | $141,191-39.8% | $152,897-44.4% |
| Participation rate | 87.5% | 84.8%+2.7pp | 82.5%+5.0pp | 82.5%+5.0pp |
| Annual return | 21.56% | 64.34%-42.8pp | 71.41%-49.9pp | 345.43%-323.9pp |
| Employer contribution / active EE | $5,917 | $5,262+12.4% | $4,736+24.9% | $4,764+24.2% |
| Participant deferral / active EE | $5,112 | $7,111-28.1% | $6,710-23.8% | $5,851-12.6% |
| Admin fee / account holder | $328 | $12,125-97.3% | $10,264-96.8% | $11,599-97.2% |