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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 | $56,324 | $165,361-65.9% | $149,715-62.4% | $158,950-64.6% |
| Participation rate | 80.0% | 84.6%-4.6pp | 82.5%-2.5pp | 82.0%-2.0pp |
| Annual return | 20.03% | 348.24%-328.2pp | 276.66%-256.6pp | 302.91%-282.9pp |
| Employer contribution / active EE | $5,635 | $5,103+10.4% | $4,645+21.3% | $4,762+18.3% |
| Participant deferral / active EE | $3,649 | $7,182-49.2% | $6,842-46.7% | $5,983-39.0% |
| Admin fee / account holder | $8,601 | $10,808-20.4% | $9,310-7.6% | $11,248-23.5% |