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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 | $114,119-19.5% | $107,187-14.3% | $138,895-33.8% |
| Participation rate | 82.4% | 78.1%+4.3pp | 75.0%+7.3pp | 79.9%+2.4pp |
| Annual return | 22.41% | 273.21%-250.8pp | 204.55%-182.1pp | 145.39%-123.0pp |
| Employer contribution / active EE | $3,063 | $4,059-24.5% | $3,782-19.0% | $4,194-27.0% |
| Participant deferral / active EE | $6,182 | $5,538+11.6% | $5,096+21.3% | $6,396-3.3% |
| Admin fee / account holder | $327 | $10,024-96.7% | $9,162-96.4% | $12,562-97.4% |