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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 | $80,353 | $157,296-48.9% | $141,191-43.1% | $152,897-47.4% |
| Participation rate | 90.5% | 84.8%+5.7pp | 82.5%+8.0pp | 82.5%+8.0pp |
| Annual return | 24.67% | 64.34%-39.7pp | 71.41%-46.7pp | 345.43%-320.8pp |
| Employer contribution / active EE | $1,922 | $5,262-63.5% | $4,736-59.4% | $4,764-59.7% |
| Participant deferral / active EE | $3,996 | $7,111-43.8% | $6,710-40.4% | $5,851-31.7% |
| Admin fee / account holder | $2,935 | $12,125-75.8% | $10,264-71.4% | $11,599-74.7% |