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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 | $120,813 | $176,105-31.4% | $159,474-24.2% | $167,536-27.9% |
| Participation rate | 95.7% | 85.0%+10.7pp | 82.8%+12.8pp | 82.1%+13.5pp |
| Annual return | 11.96% | 331.91%-319.9pp | 263.68%-251.7pp | 478.82%-466.9pp |
| Employer contribution / active EE | $4,015 | $5,299-24.2% | $4,831-16.9% | $4,839-17.0% |
| Participant deferral / active EE | $8,839 | $7,751+14.0% | $7,353+20.2% | $6,342+39.4% |
| Admin fee / account holder | $973 | $12,559-92.3% | $10,802-91.0% | $12,315-92.1% |