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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 | $103,603 | $178,174-41.9% | $156,181-33.7% | $137,256-24.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 14.23% | 84.19%-70.0pp | 64.87%-50.6pp | 220.34%-206.1pp |
| Employer contribution / active EE | $4,696 | $4,972-5.5% | $4,294+9.4% | $4,156+13.0% |
| Participant deferral / active EE | $9,505 | $6,888+38.0% | $6,132+55.0% | $6,407+48.4% |
| Admin fee / account holder | $2,785 | $17,404-84.0% | $14,586-80.9% | $12,270-77.3% |