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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 | $104,023 | $114,119-8.8% | $107,187-3.0% | $138,895-25.1% |
| Participation rate | 77.8% | 78.1%-0.3pp | 75.0%+2.8pp | 79.9%-2.1pp |
| Annual return | 19.10% | 273.21%-254.1pp | 204.55%-185.4pp | 145.39%-126.3pp |
| Employer contribution / active EE | $3,830 | $4,059-5.6% | $3,782+1.3% | $4,194-8.7% |
| Participant deferral / active EE | $5,827 | $5,538+5.2% | $5,096+14.3% | $6,396-8.9% |
| Admin fee / account holder | $962 | $10,024-90.4% | $9,162-89.5% | $12,562-92.3% |