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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 | $91,881 | $111,535-17.6% | $105,223-12.7% | $137,256-33.1% |
| Participation rate | 82.4% | 78.1%+4.3pp | 75.0%+7.3pp | 80.0%+2.4pp |
| Annual return | 22.41% | 237.85%-215.4pp | 180.65%-158.2pp | 220.34%-197.9pp |
| Employer contribution / active EE | $3,063 | $3,939-22.3% | $3,689-17.0% | $4,156-26.3% |
| Participant deferral / active EE | $6,182 | $5,500+12.4% | $5,072+21.9% | $6,407-3.5% |
| Admin fee / account holder | $327 | $9,721-96.6% | $8,859-96.3% | $12,270-97.3% |