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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 | $69,124 | $165,361-58.2% | $149,715-53.8% | $158,950-56.5% |
| Participation rate | 82.4% | 84.6%-2.2pp | 82.5%-0.1pp | 82.0%+0.4pp |
| Annual return | 15.48% | 348.24%-332.8pp | 276.66%-261.2pp | 302.91%-287.4pp |
| Employer contribution / active EE | $2,560 | $5,103-49.8% | $4,645-44.9% | $4,762-46.2% |
| Participant deferral / active EE | $8,628 | $7,182+20.1% | $6,842+26.1% | $5,983+44.2% |
| Admin fee / account holder | $7,969 | $10,808-26.3% | $9,310-14.4% | $11,248-29.1% |