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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 | $79,677 | $157,304-49.3% | $141,197-43.6% | $152,909-47.9% |
| Participation rate | 93.3% | 84.8%+8.5pp | 82.5%+10.9pp | 82.5%+10.9pp |
| Annual return | 17.13% | 64.34%-47.2pp | 71.41%-54.3pp | 345.46%-328.3pp |
| Employer contribution / active EE | $1,393 | $5,263-73.5% | $4,736-70.6% | $4,764-70.8% |
| Participant deferral / active EE | $3,221 | $7,111-54.7% | $6,710-52.0% | $5,851-45.0% |
| Admin fee / account holder | $7,542 | $12,126-37.8% | $10,265-26.5% | $11,601-35.0% |