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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 | $122,869 | $165,399-25.7% | $149,745-17.9% | $158,982-22.7% |
| Participation rate | 72.7% | 84.6%-11.8pp | 82.5%-9.8pp | 82.0%-9.2pp |
| Annual return | 11.61% | 348.34%-336.7pp | 276.72%-265.1pp | 302.99%-291.4pp |
| Employer contribution / active EE | $1,254 | $5,105-75.4% | $4,646-73.0% | $4,763-73.7% |
| Participant deferral / active EE | $4,228 | $7,183-41.1% | $6,843-38.2% | $5,983-29.3% |
| Admin fee / account holder | $13,106 | $10,811+21.2% | $9,312+40.7% | $11,252+16.5% |