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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 | $102,360 | $168,635-39.3% | $147,617-30.7% | $125,389-18.4% |
| Participation rate | 90.0% | 88.8%+1.2pp | 84.6%+5.4pp | 83.2%+6.8pp |
| Annual return | 0.55% | 77.65%-77.1pp | 61.98%-61.4pp | 282.24%-281.7pp |
| Employer contribution / active EE | $6,161 | $6,252-1.5% | $5,564+10.7% | $4,866+26.6% |
| Participant deferral / active EE | $6,967 | $5,507+26.5% | $4,895+42.3% | $5,352+30.2% |
| Admin fee / account holder | $4,252 | $13,580-68.7% | $11,612-63.4% | $9,541-55.4% |