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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 | $86,811 | $111,535-22.2% | $105,223-17.5% | $137,256-36.8% |
| Participation rate | 78.9% | 78.1%+0.9pp | 75.0%+3.9pp | 80.0%-1.0pp |
| Annual return | 17.97% | 237.85%-219.9pp | 180.65%-162.7pp | 220.34%-202.4pp |
| Employer contribution / active EE | $3,755 | $3,939-4.7% | $3,689+1.8% | $4,156-9.6% |
| Participant deferral / active EE | $10,631 | $5,500+93.3% | $5,072+109.6% | $6,407+65.9% |
| Admin fee / account holder | $2,884 | $9,721-70.3% | $8,859-67.4% | $12,270-76.5% |