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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 | $83,206 | $129,737-35.9% | $119,126-30.2% | $154,746-46.2% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 15.54% | 379.08%-363.5pp | 282.11%-266.6pp | 172.34%-156.8pp |
| Employer contribution / active EE | $3,857 | $4,375-11.8% | $4,034-4.4% | $4,379-11.9% |
| Participant deferral / active EE | $4,896 | $5,842-16.2% | $5,318-7.9% | $6,730-27.3% |
| Admin fee / account holder | $5,263 | $11,961-56.0% | $10,693-50.8% | $14,365-63.4% |