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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 | $65,494 | $111,535-41.3% | $105,223-37.8% | $137,256-52.3% |
| Participation rate | 95.5% | 78.1%+17.4pp | 75.0%+20.4pp | 80.0%+15.5pp |
| Annual return | 19.91% | 237.85%-217.9pp | 180.65%-160.7pp | 220.34%-200.4pp |
| Employer contribution / active EE | $4,694 | $3,939+19.1% | $3,689+27.3% | $4,156+12.9% |
| Participant deferral / active EE | $4,949 | $5,500-10.0% | $5,072-2.4% | $6,407-22.8% |
| Admin fee / account holder | $495 | $9,721-94.9% | $8,859-94.4% | $12,270-96.0% |