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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 | $92,099 | $165,381-44.3% | $149,730-38.5% | $158,966-42.1% |
| Participation rate | 93.8% | 84.6%+9.2pp | 82.5%+11.3pp | 82.0%+11.8pp |
| Annual return | 16.16% | 348.29%-332.1pp | 276.70%-260.5pp | 302.95%-286.8pp |
| Employer contribution / active EE | $3,160 | $5,104-38.1% | $4,645-32.0% | $4,762-33.7% |
| Participant deferral / active EE | $5,856 | $7,182-18.5% | $6,843-14.4% | $5,983-2.1% |
| Admin fee / account holder | $1,607 | $10,809-85.1% | $9,310-82.7% | $11,250-85.7% |