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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 | $91,219 | $210,698-56.7% | $178,014-48.8% | $145,959-37.5% |
| Participation rate | 83.3% | 80.8%+2.6pp | 77.1%+6.2pp | 80.3%+3.0pp |
| Annual return | 18.44% | 386.27%-367.8pp | 294.80%-276.4pp | 561.95%-543.5pp |
| Employer contribution / active EE | $4,022 | $4,567-11.9% | $3,950+1.8% | $4,661-13.7% |
| Participant deferral / active EE | $10,809 | $6,958+55.3% | $6,276+72.2% | $6,689+61.6% |
| Admin fee / account holder | $1,599 | $12,016-86.7% | $10,362-84.6% | $13,398-88.1% |