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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 | $102,890 | $111,535-7.8% | $105,223-2.2% | $137,256-25.0% |
| Participation rate | 92.9% | 78.1%+14.8pp | 75.0%+17.8pp | 80.0%+12.9pp |
| Annual return | 17.70% | 237.85%-220.2pp | 180.65%-162.9pp | 220.34%-202.6pp |
| Employer contribution / active EE | $3,423 | $3,939-13.1% | $3,689-7.2% | $4,156-17.6% |
| Participant deferral / active EE | $6,570 | $5,500+19.5% | $5,072+29.6% | $6,407+2.6% |
| Admin fee / account holder | $8,367 | $9,721-13.9% | $8,859-5.5% | $12,270-31.8% |