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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 | $140,112 | $157,276-10.9% | $141,177-0.8% | $152,885-8.4% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 21.04% | 64.33%-43.3pp | 71.40%-50.4pp | 345.39%-324.4pp |
| Employer contribution / active EE | $1,862 | $5,262-64.6% | $4,736-60.7% | $4,763-60.9% |
| Participant deferral / active EE | $10,757 | $7,110+51.3% | $6,710+60.3% | $5,851+83.9% |
| Admin fee / account holder | $12,507 | $12,123+3.2% | $10,263+21.9% | $11,598+7.8% |