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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 | $83,828 | $178,174-53.0% | $156,181-46.3% | $137,256-38.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 13.52% | 84.19%-70.7pp | 64.87%-51.4pp | 220.34%-206.8pp |
| Employer contribution / active EE | $4,490 | $4,972-9.7% | $4,294+4.6% | $4,156+8.0% |
| Participant deferral / active EE | $6,760 | $6,888-1.9% | $6,132+10.2% | $6,407+5.5% |
| Admin fee / account holder | $1,330 | $17,404-92.4% | $14,586-90.9% | $12,270-89.2% |