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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 | $78,058 | $129,737-39.8% | $119,126-34.5% | $154,746-49.6% |
| Participation rate | 90.5% | 78.9%+11.6pp | 75.8%+14.7pp | 80.7%+9.8pp |
| Annual return | 11.92% | 379.08%-367.2pp | 282.11%-270.2pp | 172.34%-160.4pp |
| Employer contribution / active EE | $1,953 | $4,375-55.4% | $4,034-51.6% | $4,379-55.4% |
| Participant deferral / active EE | $7,456 | $5,842+27.6% | $5,318+40.2% | $6,730+10.8% |
| Admin fee / account holder | $1,652 | $11,961-86.2% | $10,693-84.5% | $14,365-88.5% |