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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 | $91,562 | $111,535-17.9% | $105,223-13.0% | $137,256-33.3% |
| Participation rate | 91.7% | 78.1%+13.6pp | 75.0%+16.6pp | 80.0%+11.7pp |
| Annual return | 16.66% | 237.85%-221.2pp | 180.65%-164.0pp | 220.34%-203.7pp |
| Employer contribution / active EE | $1,606 | $3,939-59.2% | $3,689-56.5% | $4,156-61.4% |
| Participant deferral / active EE | $4,462 | $5,500-18.9% | $5,072-12.0% | $6,407-30.3% |
| Admin fee / account holder | $17,690 | $9,721+82.0% | $8,859+99.7% | $12,270+44.2% |