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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 | $97,523 | $165,399-41.0% | $149,745-34.9% | $158,982-38.7% |
| Participation rate | 92.9% | 84.6%+8.3pp | 82.5%+10.4pp | 82.0%+10.9pp |
| Annual return | 14.38% | 348.34%-334.0pp | 276.72%-262.3pp | 302.99%-288.6pp |
| Employer contribution / active EE | $1,694 | $5,105-66.8% | $4,646-63.5% | $4,763-64.4% |
| Participant deferral / active EE | $4,543 | $7,183-36.7% | $6,843-33.6% | $5,983-24.1% |
| Admin fee / account holder | $474 | $10,811-95.6% | $9,312-94.9% | $11,252-95.8% |