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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 | $118,419 | $176,105-32.8% | $159,474-25.7% | $167,536-29.3% |
| Participation rate | 92.3% | 85.0%+7.4pp | 82.8%+9.5pp | 82.1%+10.2pp |
| Annual return | 27.01% | 331.91%-304.9pp | 263.68%-236.7pp | 478.82%-451.8pp |
| Employer contribution / active EE | $3,994 | $5,299-24.6% | $4,831-17.3% | $4,839-17.5% |
| Participant deferral / active EE | $6,740 | $7,751-13.1% | $7,353-8.3% | $6,342+6.3% |
| Admin fee / account holder | $4,863 | $12,559-61.3% | $10,802-55.0% | $12,315-60.5% |