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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 | $87,774 | $178,174-50.7% | $156,181-43.8% | $137,256-36.1% |
| Participation rate | 95.0% | 82.0%+13.0pp | 78.8%+16.2pp | 80.0%+15.0pp |
| Annual return | 20.22% | 84.19%-64.0pp | 64.87%-44.6pp | 220.34%-200.1pp |
| Employer contribution / active EE | $2,695 | $4,972-45.8% | $4,294-37.2% | $4,156-35.2% |
| Participant deferral / active EE | $9,484 | $6,888+37.7% | $6,132+54.7% | $6,407+48.0% |
| Admin fee / account holder | $6,039 | $17,404-65.3% | $14,586-58.6% | $12,270-50.8% |