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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 | $118,036 | $165,381-28.6% | $149,730-21.2% | $158,966-25.7% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 19.24% | 348.29%-329.1pp | 276.70%-257.5pp | 302.95%-283.7pp |
| Employer contribution / active EE | $2,142 | $5,104-58.0% | $4,645-53.9% | $4,762-55.0% |
| Participant deferral / active EE | $6,826 | $7,182-5.0% | $6,843-0.2% | $5,983+14.1% |
| Admin fee / account holder | $4,479 | $10,809-58.6% | $9,310-51.9% | $11,250-60.2% |