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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 | $44,986 | $165,361-72.8% | $149,715-70.0% | $158,950-71.7% |
| Participation rate | 95.0% | 84.6%+10.4pp | 82.5%+12.5pp | 82.0%+13.0pp |
| Annual return | 19.69% | 348.24%-328.5pp | 276.66%-257.0pp | 302.91%-283.2pp |
| Employer contribution / active EE | $2,418 | $5,103-52.6% | $4,645-47.9% | $4,762-49.2% |
| Participant deferral / active EE | $6,644 | $7,182-7.5% | $6,842-2.9% | $5,983+11.1% |
| Admin fee / account holder | $503 | $10,808-95.3% | $9,310-94.6% | $11,248-95.5% |