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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 | $85,437 | $166,089-48.6% | $164,928-48.2% | $145,978-41.5% |
| Participation rate | 93.3% | 82.0%+11.3pp | 78.6%+14.7pp | 80.3%+13.0pp |
| Annual return | 11.13% | 100.26%-89.1pp | 70.08%-58.9pp | 550.52%-539.4pp |
| Employer contribution / active EE | $2,906 | $5,276-44.9% | $4,343-33.1% | $4,662-37.7% |
| Participant deferral / active EE | $7,139 | $6,961+2.6% | $6,034+18.3% | $6,690+6.7% |
| Admin fee / account holder | $4,888 | $16,641-70.6% | $12,684-61.5% | $13,400-63.5% |