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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 | $101,587 | $183,516-44.6% | $155,534-34.7% | $145,884-30.4% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 11.05% | 61.43%-50.4pp | 64.92%-53.9pp | 551.85%-540.8pp |
| Employer contribution / active EE | $3,636 | $5,315-31.6% | $4,675-22.2% | $4,662-22.0% |
| Participant deferral / active EE | $4,498 | $6,467-30.4% | $5,630-20.1% | $6,690-32.8% |
| Admin fee / account holder | $394 | $19,293-98.0% | $15,900-97.5% | $13,392-97.1% |