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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 | $72,737 | $165,351-56.0% | $149,710-51.4% | $158,931-54.2% |
| Participation rate | 89.5% | 84.6%+4.9pp | 82.5%+7.0pp | 82.0%+7.5pp |
| Annual return | 20.32% | 348.19%-327.9pp | 276.63%-256.3pp | 302.86%-282.5pp |
| Employer contribution / active EE | $2,501 | $5,103-51.0% | $4,645-46.2% | $4,761-47.5% |
| Participant deferral / active EE | $5,686 | $7,181-20.8% | $6,842-16.9% | $5,982-4.9% |
| Admin fee / account holder | $3,970 | $10,807-63.3% | $9,309-57.4% | $11,247-64.7% |