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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 | $91,765 | $129,737-29.3% | $119,126-23.0% | $154,746-40.7% |
| Participation rate | 84.2% | 78.9%+5.4pp | 75.8%+8.4pp | 80.7%+3.5pp |
| Annual return | 18.82% | 379.08%-360.3pp | 282.11%-263.3pp | 172.34%-153.5pp |
| Employer contribution / active EE | $2,250 | $4,375-48.6% | $4,034-44.2% | $4,379-48.6% |
| Participant deferral / active EE | $6,492 | $5,842+11.1% | $5,318+22.1% | $6,730-3.5% |
| Admin fee / account holder | $1,861 | $11,961-84.4% | $10,693-82.6% | $14,365-87.0% |