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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 | $84,910 | $152,612-44.4% | $125,192-32.2% | $152,897-44.5% |
| Participation rate | 93.3% | 83.3%+10.0pp | 79.8%+13.6pp | 82.5%+10.9pp |
| Annual return | 11.75% | 54.85%-43.1pp | 43.79%-32.0pp | 345.43%-333.7pp |
| Employer contribution / active EE | $3,014 | $4,947-39.1% | $3,866-22.0% | $4,764-36.7% |
| Participant deferral / active EE | $4,781 | $5,868-18.5% | $4,937-3.2% | $5,851-18.3% |
| Admin fee / account holder | $581 | $13,437-95.7% | $9,704-94.0% | $11,599-95.0% |