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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 | $43,716 | $111,535-60.8% | $105,223-58.5% | $137,256-68.1% |
| Participation rate | 82.4% | 78.1%+4.3pp | 75.0%+7.3pp | 80.0%+2.4pp |
| Annual return | 14.60% | 237.85%-223.3pp | 180.65%-166.1pp | 220.34%-205.7pp |
| Employer contribution / active EE | $3,218 | $3,939-18.3% | $3,689-12.8% | $4,156-22.6% |
| Participant deferral / active EE | $5,141 | $5,500-6.5% | $5,072+1.4% | $6,407-19.8% |
| Admin fee / account holder | $11,118 | $9,721+14.4% | $8,859+25.5% | $12,270-9.4% |