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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 | $110,174 | $165,381-33.4% | $149,730-26.4% | $158,966-30.7% |
| Participation rate | 90.0% | 84.6%+5.4pp | 82.5%+7.5pp | 82.0%+8.0pp |
| Annual return | 19.00% | 348.29%-329.3pp | 276.70%-257.7pp | 302.95%-283.9pp |
| Employer contribution / active EE | $2,412 | $5,104-52.8% | $4,645-48.1% | $4,762-49.4% |
| Participant deferral / active EE | $6,232 | $7,182-13.2% | $6,843-8.9% | $5,983+4.2% |
| Admin fee / account holder | $494 | $10,809-95.4% | $9,310-94.7% | $11,250-95.6% |