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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 | $84,869 | $129,737-34.6% | $119,126-28.8% | $154,746-45.2% |
| Participation rate | 93.3% | 78.9%+14.5pp | 75.8%+17.6pp | 80.7%+12.6pp |
| Annual return | 13.78% | 379.08%-365.3pp | 282.11%-268.3pp | 172.34%-158.6pp |
| Employer contribution / active EE | $1,884 | $4,375-56.9% | $4,034-53.3% | $4,379-57.0% |
| Participant deferral / active EE | $4,018 | $5,842-31.2% | $5,318-24.5% | $6,730-40.3% |
| Admin fee / account holder | $12,725 | $11,961+6.4% | $10,693+19.0% | $14,365-11.4% |