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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 | $85,121 | $111,535-23.7% | $105,223-19.1% | $137,256-38.0% |
| Participation rate | 90.5% | 78.1%+12.4pp | 75.0%+15.4pp | 80.0%+10.5pp |
| Annual return | 16.76% | 237.85%-221.1pp | 180.65%-163.9pp | 220.34%-203.6pp |
| Employer contribution / active EE | $3,507 | $3,939-11.0% | $3,689-4.9% | $4,156-15.6% |
| Participant deferral / active EE | $5,701 | $5,500+3.7% | $5,072+12.4% | $6,407-11.0% |
| Admin fee / account holder | $10,927 | $9,721+12.4% | $8,859+23.3% | $12,270-10.9% |