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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 | $112,824 | $155,555-27.5% | $146,866-23.2% | $155,188-27.3% |
| Participation rate | 91.7% | 84.0%+7.7pp | 82.5%+9.2pp | 80.8%+10.9pp |
| Annual return | 16.42% | 115.41%-99.0pp | 102.85%-86.4pp | 148.84%-132.4pp |
| Employer contribution / active EE | $1,112 | $4,647-76.1% | $4,425-74.9% | $4,248-73.8% |
| Participant deferral / active EE | $4,153 | $8,044-48.4% | $7,759-46.5% | $6,531-36.4% |
| Admin fee / account holder | $8,455 | $14,755-42.7% | $13,620-37.9% | $14,480-41.6% |