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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 | $99,067 | $114,119-13.2% | $107,187-7.6% | $138,895-28.7% |
| Participation rate | 95.5% | 78.1%+17.4pp | 75.0%+20.4pp | 79.9%+15.5pp |
| Annual return | 15.50% | 273.21%-257.7pp | 204.55%-189.1pp | 145.39%-129.9pp |
| Employer contribution / active EE | $4,792 | $4,059+18.1% | $3,782+26.7% | $4,194+14.3% |
| Participant deferral / active EE | $3,844 | $5,538-30.6% | $5,096-24.6% | $6,396-39.9% |
| Admin fee / account holder | $3,165 | $10,024-68.4% | $9,162-65.5% | $12,562-74.8% |