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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 | $93,488 | $108,911-14.2% | $100,392-6.9% | $145,884-35.9% |
| Participation rate | 91.7% | 83.0%+8.7pp | 81.5%+10.2pp | 80.3%+11.4pp |
| Annual return | 17.42% | 58.23%-40.8pp | 49.45%-32.0pp | 551.85%-534.4pp |
| Employer contribution / active EE | $4,739 | $4,420+7.2% | $3,941+20.2% | $4,662+1.6% |
| Participant deferral / active EE | $9,993 | $8,459+18.1% | $8,090+23.5% | $6,690+49.4% |
| Admin fee / account holder | $4,217 | $9,698-56.5% | $7,904-46.7% | $13,392-68.5% |