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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 | $111,535-27.5% | $105,223-23.1% | $137,256-41.0% |
| Participation rate | 93.8% | 78.1%+15.7pp | 75.0%+18.7pp | 80.0%+13.8pp |
| Annual return | 16.75% | 237.85%-221.1pp | 180.65%-163.9pp | 220.34%-203.6pp |
| Employer contribution / active EE | $4,096 | $3,939+4.0% | $3,689+11.0% | $4,156-1.4% |
| Participant deferral / active EE | $10,192 | $5,500+85.3% | $5,072+100.9% | $6,407+59.1% |
| Admin fee / account holder | $5,905 | $9,721-39.3% | $8,859-33.3% | $12,270-51.9% |