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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 | $114,698 | $124,346-7.8% | $111,308+3.0% | $167,536-31.5% |
| Participation rate | 88.2% | 79.6%+8.6pp | 77.3%+10.9pp | 82.1%+6.1pp |
| Annual return | 19.88% | 37.45%-17.6pp | 54.67%-34.8pp | 478.82%-458.9pp |
| Employer contribution / active EE | $2,621 | $3,437-23.8% | $2,732-4.1% | $4,839-45.8% |
| Participant deferral / active EE | $5,576 | $5,182+7.6% | $4,487+24.3% | $6,342-12.1% |
| Admin fee / account holder | $1,714 | $10,621-83.9% | $7,965-78.5% | $12,315-86.1% |