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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 | $82,183 | $118,708-30.8% | $98,920-16.9% | $158,966-48.3% |
| Participation rate | 81.8% | 77.8%+4.0pp | 76.0%+5.8pp | 82.0%-0.1pp |
| Annual return | 12.35% | 372.49%-360.1pp | 196.47%-184.1pp | 302.95%-290.6pp |
| Employer contribution / active EE | $1,644 | $3,334-50.7% | $2,689-38.9% | $4,762-65.5% |
| Participant deferral / active EE | $5,771 | $5,089+13.4% | $4,245+36.0% | $5,983-3.5% |
| Admin fee / account holder | $12,275 | $10,134+21.1% | $6,643+84.8% | $11,250+9.1% |