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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 | $56,130 | $111,535-49.7% | $105,223-46.7% | $137,256-59.1% |
| Participation rate | 94.7% | 78.1%+16.6pp | 75.0%+19.7pp | 80.0%+14.8pp |
| Annual return | 13.93% | 237.85%-223.9pp | 180.65%-166.7pp | 220.34%-206.4pp |
| Employer contribution / active EE | $3,275 | $3,939-16.9% | $3,689-11.2% | $4,156-21.2% |
| Participant deferral / active EE | $5,005 | $5,500-9.0% | $5,072-1.3% | $6,407-21.9% |
| Admin fee / account holder | $3,541 | $9,721-63.6% | $8,859-60.0% | $12,270-71.1% |