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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 | $112,308 | $157,276-28.6% | $141,177-20.4% | $152,885-26.5% |
| Participation rate | 94.7% | 84.8%+9.9pp | 82.5%+12.3pp | 82.5%+12.3pp |
| Annual return | 20.36% | 64.33%-44.0pp | 71.40%-51.0pp | 345.39%-325.0pp |
| Employer contribution / active EE | $3,219 | $5,262-38.8% | $4,736-32.0% | $4,763-32.4% |
| Participant deferral / active EE | $6,167 | $7,110-13.3% | $6,710-8.1% | $5,851+5.4% |
| Admin fee / account holder | $1,594 | $12,123-86.8% | $10,263-84.5% | $11,598-86.3% |