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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 | $87,009 | $157,304-44.7% | $141,197-38.4% | $152,909-43.1% |
| Participation rate | 90.5% | 84.8%+5.7pp | 82.5%+8.0pp | 82.5%+8.0pp |
| Annual return | 26.04% | 64.34%-38.3pp | 71.41%-45.4pp | 345.46%-319.4pp |
| Employer contribution / active EE | $4,593 | $5,263-12.7% | $4,736-3.0% | $4,764-3.6% |
| Participant deferral / active EE | $9,596 | $7,111+34.9% | $6,710+43.0% | $5,851+64.0% |
| Admin fee / account holder | $1,530 | $12,126-87.4% | $10,265-85.1% | $11,601-86.8% |