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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 | $106,538 | $155,555-31.5% | $146,866-27.5% | $155,188-31.3% |
| Participation rate | 94.7% | 84.0%+10.8pp | 82.5%+12.2pp | 80.8%+13.9pp |
| Annual return | 14.28% | 115.41%-101.1pp | 102.85%-88.6pp | 148.84%-134.6pp |
| Employer contribution / active EE | $1,810 | $4,647-61.0% | $4,425-59.1% | $4,248-57.4% |
| Participant deferral / active EE | $5,674 | $8,044-29.5% | $7,759-26.9% | $6,531-13.1% |
| Admin fee / account holder | $832 | $14,755-94.4% | $13,620-93.9% | $14,480-94.3% |