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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 | $97,968 | $125,184-21.7% | $105,607-7.2% | $145,884-32.8% |
| Participation rate | 88.9% | 77.6%+11.2pp | 75.3%+13.6pp | 80.3%+8.6pp |
| Annual return | 11.18% | 225.00%-213.8pp | 116.11%-104.9pp | 551.85%-540.7pp |
| Employer contribution / active EE | $1,488 | $3,720-60.0% | $3,167-53.0% | $4,662-68.1% |
| Participant deferral / active EE | $4,160 | $5,714-27.2% | $5,011-17.0% | $6,690-37.8% |
| Admin fee / account holder | $5,987 | $17,133-65.1% | $10,958-45.4% | $13,392-55.3% |