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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 | $120,870 | $181,062-33.2% | $158,223-23.6% | $155,188-22.1% |
| Participation rate | 92.9% | 82.7%+10.2pp | 79.2%+13.7pp | 80.8%+12.1pp |
| Annual return | 22.46% | 57.39%-34.9pp | 52.09%-29.6pp | 148.84%-126.4pp |
| Employer contribution / active EE | $2,189 | $4,565-52.1% | $4,109-46.7% | $4,248-48.5% |
| Participant deferral / active EE | $5,483 | $6,134-10.6% | $5,467+0.3% | $6,531-16.0% |
| Admin fee / account holder | $3,126 | $18,825-83.4% | $16,047-80.5% | $14,480-78.4% |