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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 | $89,281 | $129,737-31.2% | $119,126-25.1% | $154,746-42.3% |
| Participation rate | 86.4% | 78.9%+7.5pp | 75.8%+10.6pp | 80.7%+5.7pp |
| Annual return | 19.40% | 379.08%-359.7pp | 282.11%-262.7pp | 172.34%-152.9pp |
| Employer contribution / active EE | $3,318 | $4,375-24.2% | $4,034-17.7% | $4,379-24.2% |
| Participant deferral / active EE | $6,879 | $5,842+17.8% | $5,318+29.4% | $6,730+2.2% |
| Admin fee / account holder | $765 | $11,961-93.6% | $10,693-92.8% | $14,365-94.7% |