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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 | $102,077 | $172,111-40.7% | $150,298-32.1% | $137,256-25.6% |
| Participation rate | 94.1% | 81.7%+12.4pp | 77.8%+16.4pp | 80.0%+14.2pp |
| Annual return | 16.84% | 69.37%-52.5pp | 62.79%-45.9pp | 220.34%-203.5pp |
| Employer contribution / active EE | $2,144 | $4,636-53.8% | $4,154-48.4% | $4,156-48.4% |
| Participant deferral / active EE | $6,013 | $6,166-2.5% | $5,453+10.3% | $6,407-6.1% |
| Admin fee / account holder | $857 | $16,471-94.8% | $14,116-93.9% | $12,270-93.0% |