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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 | $85,738 | $165,399-48.2% | $149,745-42.7% | $158,982-46.1% |
| Participation rate | 95.2% | 84.6%+10.7pp | 82.5%+12.8pp | 82.0%+13.3pp |
| Annual return | 15.99% | 348.34%-332.3pp | 276.72%-260.7pp | 302.99%-287.0pp |
| Employer contribution / active EE | $2,135 | $5,105-58.2% | $4,646-54.1% | $4,763-55.2% |
| Participant deferral / active EE | $4,667 | $7,183-35.0% | $6,843-31.8% | $5,983-22.0% |
| Admin fee / account holder | $1,978 | $10,811-81.7% | $9,312-78.8% | $11,252-82.4% |