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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 | $111,440 | $165,399-32.6% | $149,745-25.6% | $158,982-29.9% |
| Participation rate | 86.4% | 84.6%+1.8pp | 82.5%+3.9pp | 82.0%+4.4pp |
| Annual return | 11.09% | 348.34%-337.2pp | 276.72%-265.6pp | 302.99%-291.9pp |
| Employer contribution / active EE | $1,721 | $5,105-66.3% | $4,646-63.0% | $4,763-63.9% |
| Participant deferral / active EE | $3,170 | $7,183-55.9% | $6,843-53.7% | $5,983-47.0% |
| Admin fee / account holder | $12,263 | $10,811+13.4% | $9,312+31.7% | $11,252+9.0% |