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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 | $124,717 | $185,312-32.7% | $161,489-22.8% | $154,746-19.4% |
| Participation rate | 82.6% | 82.5%+0.1pp | 78.7%+3.9pp | 80.7%+1.9pp |
| Annual return | 14.54% | 103.84%-89.3pp | 89.72%-75.2pp | 172.34%-157.8pp |
| Employer contribution / active EE | $2,292 | $4,769-51.9% | $4,268-46.3% | $4,379-47.7% |
| Participant deferral / active EE | $5,614 | $6,350-11.6% | $5,630-0.3% | $6,730-16.6% |
| Admin fee / account holder | $43,364 | $18,654+132.5% | $16,006+170.9% | $14,365+201.9% |