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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 | $89,744 | $157,304-42.9% | $141,197-36.4% | $152,909-41.3% |
| Participation rate | 91.3% | 84.8%+6.5pp | 82.5%+8.8pp | 82.5%+8.8pp |
| Annual return | 27.32% | 64.34%-37.0pp | 71.41%-44.1pp | 345.46%-318.1pp |
| Employer contribution / active EE | $5,647 | $5,263+7.3% | $4,736+19.2% | $4,764+18.5% |
| Participant deferral / active EE | $4,487 | $7,111-36.9% | $6,710-33.1% | $5,851-23.3% |
| Admin fee / account holder | $1,464 | $12,126-87.9% | $10,265-85.7% | $11,601-87.4% |