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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 | $110,811 | $132,634-16.5% | $115,768-4.3% | $137,256-19.3% |
| Participation rate | 76.9% | 77.9%-0.9pp | 74.4%+2.5pp | 80.0%-3.0pp |
| Annual return | 15.53% | 160.70%-145.2pp | 100.46%-84.9pp | 220.34%-204.8pp |
| Employer contribution / active EE | $1,697 | $3,360-49.5% | $2,940-42.3% | $4,156-59.2% |
| Participant deferral / active EE | $3,961 | $5,619-29.5% | $4,917-19.4% | $6,407-38.2% |
| Admin fee / account holder | $737 | $15,028-95.1% | $12,439-94.1% | $12,270-94.0% |