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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 | $92,384 | $154,228-40.1% | $145,433-36.5% | $137,256-32.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 45.54% | 74.59%-29.0pp | 66.58%-21.0pp | 220.34%-174.8pp |
| Employer contribution / active EE | $3,076 | $4,804-36.0% | $4,554-32.5% | $4,156-26.0% |
| Participant deferral / active EE | $20,418 | $8,216+148.5% | $7,897+158.5% | $6,407+218.7% |
| Admin fee / account holder | $4,845 | $14,344-66.2% | $13,129-63.1% | $12,270-60.5% |