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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 | $94,695 | $114,119-17.0% | $107,187-11.7% | $138,895-31.8% |
| Participation rate | 86.4% | 78.1%+8.3pp | 75.0%+11.3pp | 79.9%+6.4pp |
| Annual return | 17.90% | 273.21%-255.3pp | 204.55%-186.6pp | 145.39%-127.5pp |
| Employer contribution / active EE | $3,938 | $4,059-3.0% | $3,782+4.1% | $4,194-6.1% |
| Participant deferral / active EE | $6,704 | $5,538+21.1% | $5,096+31.6% | $6,396+4.8% |
| Admin fee / account holder | $6,548 | $10,024-34.7% | $9,162-28.5% | $12,562-47.9% |