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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 | $93,404 | $157,304-40.6% | $141,197-33.8% | $152,909-38.9% |
| Participation rate | 87.5% | 84.8%+2.7pp | 82.5%+5.0pp | 82.5%+5.0pp |
| Annual return | 25.03% | 64.34%-39.3pp | 71.41%-46.4pp | 345.46%-320.4pp |
| Employer contribution / active EE | $4,965 | $5,263-5.7% | $4,736+4.8% | $4,764+4.2% |
| Participant deferral / active EE | $9,577 | $7,111+34.7% | $6,710+42.7% | $5,851+63.7% |
| Admin fee / account holder | $944 | $12,126-92.2% | $10,265-90.8% | $11,601-91.9% |