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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 | $91,963 | $115,810-20.6% | $101,271-9.2% | $158,966-42.1% |
| Participation rate | 93.8% | 79.4%+14.4pp | 75.8%+17.9pp | 82.0%+11.8pp |
| Annual return | 11.08% | 56.15%-45.1pp | 46.48%-35.4pp | 302.95%-291.9pp |
| Employer contribution / active EE | $3,497 | $4,175-16.2% | $3,660-4.4% | $4,762-26.6% |
| Participant deferral / active EE | $4,854 | $4,958-2.1% | $4,371+11.1% | $5,983-18.9% |
| Admin fee / account holder | $4,296 | $7,248-40.7% | $5,948-27.8% | $11,250-61.8% |