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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 | $81,353 | $142,426-42.9% | $115,167-29.4% | $152,909-46.8% |
| Participation rate | 90.0% | 82.4%+7.6pp | 75.9%+14.1pp | 82.5%+7.5pp |
| Annual return | 19.01% | 41.48%-22.5pp | 35.60%-16.6pp | 345.46%-326.5pp |
| Employer contribution / active EE | $3,400 | $4,011-15.2% | $3,179+6.9% | $4,764-28.6% |
| Participant deferral / active EE | $5,078 | $5,165-1.7% | $4,169+21.8% | $5,851-13.2% |
| Admin fee / account holder | $1,809 | $8,464-78.6% | $7,089-74.5% | $11,601-84.4% |