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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 | $98,758 | $148,629-33.6% | $135,982-27.4% | $139,487-29.2% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 17.46% | 79.33%-61.9pp | 68.32%-50.9pp | 373.84%-356.4pp |
| Employer contribution / active EE | $3,031 | $5,247-42.2% | $4,859-37.6% | $4,755-36.3% |
| Participant deferral / active EE | $7,039 | $8,102-13.1% | $7,760-9.3% | $6,713+4.9% |
| Admin fee / account holder | $2,695 | $12,406-78.3% | $10,767-75.0% | $11,407-76.4% |