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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 | $76,369 | $111,830-31.7% | $93,696-18.5% | $145,884-47.7% |
| Participation rate | 85.7% | 74.2%+11.5pp | 68.7%+17.0pp | 80.3%+5.4pp |
| Annual return | 11.93% | 204.08%-192.1pp | 133.74%-121.8pp | 551.85%-539.9pp |
| Employer contribution / active EE | $1,309 | $3,093-57.7% | $2,422-45.9% | $4,662-71.9% |
| Participant deferral / active EE | $4,795 | $4,920-2.5% | $4,417+8.6% | $6,690-28.3% |
| Admin fee / account holder | $1,784 | $10,249-82.6% | $8,287-78.5% | $13,392-86.7% |