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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 | $80,918 | $129,737-37.6% | $119,126-32.1% | $154,746-47.7% |
| Participation rate | 93.8% | 78.9%+14.9pp | 75.8%+18.0pp | 80.7%+13.0pp |
| Annual return | 16.75% | 379.08%-362.3pp | 282.11%-265.4pp | 172.34%-155.6pp |
| Employer contribution / active EE | $4,096 | $4,375-6.4% | $4,034+1.5% | $4,379-6.5% |
| Participant deferral / active EE | $10,192 | $5,842+74.5% | $5,318+91.6% | $6,730+51.4% |
| Admin fee / account holder | $5,905 | $11,961-50.6% | $10,693-44.8% | $14,365-58.9% |