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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 | $71,278 | $165,361-56.9% | $149,715-52.4% | $158,950-55.2% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 15.98% | 348.24%-332.3pp | 276.66%-260.7pp | 302.91%-286.9pp |
| Employer contribution / active EE | $2,398 | $5,103-53.0% | $4,645-48.4% | $4,762-49.6% |
| Participant deferral / active EE | $6,060 | $7,182-15.6% | $6,842-11.4% | $5,983+1.3% |
| Admin fee / account holder | $3,480 | $10,808-67.8% | $9,310-62.6% | $11,248-69.1% |