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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 | $114,944 | $155,555-26.1% | $146,866-21.7% | $155,188-25.9% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.5%+7.5pp | 80.8%+9.2pp |
| Annual return | 18.62% | 115.41%-96.8pp | 102.85%-84.2pp | 148.84%-130.2pp |
| Employer contribution / active EE | $3,434 | $4,647-26.1% | $4,425-22.4% | $4,248-19.2% |
| Participant deferral / active EE | $10,119 | $8,044+25.8% | $7,759+30.4% | $6,531+54.9% |
| Admin fee / account holder | $4,085 | $14,755-72.3% | $13,620-70.0% | $14,480-71.8% |