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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 | $93,749 | $155,555-39.7% | $146,866-36.2% | $155,188-39.6% |
| Participation rate | 95.8% | 84.0%+11.9pp | 82.5%+13.3pp | 80.8%+15.0pp |
| Annual return | 17.70% | 115.41%-97.7pp | 102.85%-85.2pp | 148.84%-131.1pp |
| Employer contribution / active EE | $3,034 | $4,647-34.7% | $4,425-31.4% | $4,248-28.6% |
| Participant deferral / active EE | $6,347 | $8,044-21.1% | $7,759-18.2% | $6,531-2.8% |
| Admin fee / account holder | $11,106 | $14,755-24.7% | $13,620-18.5% | $14,480-23.3% |