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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 | $83,240 | $125,237-33.5% | $105,608-21.2% | $145,877-42.9% |
| Participation rate | 89.5% | 77.7%+11.8pp | 75.3%+14.2pp | 80.3%+9.2pp |
| Annual return | 14.78% | 225.76%-211.0pp | 116.50%-101.7pp | 551.28%-536.5pp |
| Employer contribution / active EE | $4,286 | $3,720+15.2% | $3,167+35.3% | $4,663-8.1% |
| Participant deferral / active EE | $7,902 | $5,711+38.4% | $5,010+57.7% | $6,691+18.1% |
| Admin fee / account holder | $831 | $17,287-95.2% | $11,028-92.5% | $13,402-93.8% |