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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 | $110,429 | $111,535-1.0% | $105,223+4.9% | $137,256-19.5% |
| Participation rate | 94.7% | 78.1%+16.6pp | 75.0%+19.7pp | 80.0%+14.8pp |
| Annual return | 16.10% | 237.85%-221.8pp | 180.65%-164.6pp | 220.34%-204.2pp |
| Employer contribution / active EE | $2,985 | $3,939-24.2% | $3,689-19.1% | $4,156-28.2% |
| Participant deferral / active EE | $6,898 | $5,500+25.4% | $5,072+36.0% | $6,407+7.7% |
| Admin fee / account holder | $2,123 | $9,721-78.2% | $8,859-76.0% | $12,270-82.7% |