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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 | $106,502 | $124,346-14.3% | $111,308-4.3% | $167,536-36.4% |
| Participation rate | 73.7% | 79.6%-5.9pp | 77.3%-3.6pp | 82.1%-8.4pp |
| Annual return | 16.86% | 37.45%-20.6pp | 54.67%-37.8pp | 478.82%-462.0pp |
| Employer contribution / active EE | $2,603 | $3,437-24.3% | $2,732-4.7% | $4,839-46.2% |
| Participant deferral / active EE | $4,393 | $5,182-15.2% | $4,487-2.1% | $6,342-30.7% |
| Admin fee / account holder | $2,232 | $10,621-79.0% | $7,965-72.0% | $12,315-81.9% |