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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 | $103,384 | $152,619-32.3% | $125,195-17.4% | $152,909-32.4% |
| Participation rate | 88.9% | 83.3%+5.5pp | 79.8%+9.1pp | 82.5%+6.4pp |
| Annual return | 20.59% | 54.85%-34.3pp | 43.79%-23.2pp | 345.46%-324.9pp |
| Employer contribution / active EE | $5,717 | $4,947+15.6% | $3,866+47.9% | $4,764+20.0% |
| Participant deferral / active EE | $8,585 | $5,869+46.3% | $4,937+73.9% | $5,851+46.7% |
| Admin fee / account holder | $4,716 | $13,437-64.9% | $9,704-51.4% | $11,601-59.3% |