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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 | $81,253 | $110,093-26.2% | $97,295-16.5% | $145,897-44.3% |
| Participation rate | 93.3% | 75.9%+17.4pp | 72.7%+20.7pp | 80.3%+13.0pp |
| Annual return | 14.00% | 244.76%-230.8pp | 75.62%-61.6pp | 552.29%-538.3pp |
| Employer contribution / active EE | $3,164 | $3,077+2.8% | $2,723+16.2% | $4,663-32.1% |
| Participant deferral / active EE | $8,409 | $4,678+79.8% | $4,264+97.2% | $6,689+25.7% |
| Admin fee / account holder | $1,939 | $6,212-68.8% | $5,646-65.7% | $13,390-85.5% |