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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 | $51,666 | $157,296-67.2% | $141,191-63.4% | $152,897-66.2% |
| Participation rate | 90.0% | 84.8%+5.2pp | 82.5%+7.5pp | 82.5%+7.5pp |
| Annual return | 26.27% | 64.34%-38.1pp | 71.41%-45.1pp | 345.43%-319.2pp |
| Employer contribution / active EE | $3,650 | $5,262-30.6% | $4,736-22.9% | $4,764-23.4% |
| Participant deferral / active EE | $8,637 | $7,111+21.5% | $6,710+28.7% | $5,851+47.6% |
| Admin fee / account holder | $812 | $12,125-93.3% | $10,264-92.1% | $11,599-93.0% |