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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 | $111,530 | $111,878-0.3% | $93,727+19.0% | $145,897-23.6% |
| Participation rate | 86.7% | 74.2%+12.5pp | 68.7%+18.0pp | 80.3%+6.4pp |
| Annual return | 7.90% | 204.28%-196.4pp | 133.83%-125.9pp | 552.29%-544.4pp |
| Employer contribution / active EE | $1,083 | $3,092-65.0% | $2,421-55.3% | $4,663-76.8% |
| Participant deferral / active EE | $4,367 | $4,920-11.2% | $4,417-1.1% | $6,689-34.7% |
| Admin fee / account holder | $3,881 | $10,256-62.2% | $8,292-53.2% | $13,390-71.0% |