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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 | $165,351-41.0% | $149,710-34.9% | $158,931-38.6% |
| Participation rate | 92.9% | 84.6%+8.3pp | 82.5%+10.4pp | 82.0%+10.9pp |
| Annual return | 14.38% | 348.19%-333.8pp | 276.63%-262.3pp | 302.86%-288.5pp |
| Employer contribution / active EE | $1,694 | $5,103-66.8% | $4,645-63.5% | $4,761-64.4% |
| Participant deferral / active EE | $4,543 | $7,181-36.7% | $6,842-33.6% | $5,982-24.1% |
| Admin fee / account holder | $474 | $10,807-95.6% | $9,309-94.9% | $11,247-95.8% |