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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 | $76,265 | $211,288-63.9% | $178,540-57.3% | $145,884-47.7% |
| Participation rate | 95.5% | 80.8%+14.6pp | 77.1%+18.3pp | 80.3%+15.2pp |
| Annual return | 15.53% | 30.27%-14.7pp | 27.15%-11.6pp | 551.85%-536.3pp |
| Employer contribution / active EE | $5,249 | $4,574+14.8% | $3,953+32.8% | $4,662+12.6% |
| Participant deferral / active EE | $5,789 | $6,967-16.9% | $6,281-7.8% | $6,690-13.5% |
| Admin fee / account holder | $4,121 | $12,105-66.0% | $10,424-60.5% | $13,392-69.2% |