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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 | $32,618 | $129,737-74.9% | $119,126-72.6% | $154,746-78.9% |
| Participation rate | 95.2% | 78.9%+16.4pp | 75.8%+19.5pp | 80.7%+14.5pp |
| Annual return | 19.73% | 379.08%-359.4pp | 282.11%-262.4pp | 172.34%-152.6pp |
| Employer contribution / active EE | $5,172 | $4,375+18.2% | $4,034+28.2% | $4,379+18.1% |
| Participant deferral / active EE | $2,875 | $5,842-50.8% | $5,318-45.9% | $6,730-57.3% |
| Admin fee / account holder | $309 | $11,961-97.4% | $10,693-97.1% | $14,365-97.9% |