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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 | $98,021 | $111,535-12.1% | $105,223-6.8% | $137,256-28.6% |
| Participation rate | 72.2% | 78.1%-5.9pp | 75.0%-2.8pp | 80.0%-7.7pp |
| Annual return | 13.38% | 237.85%-224.5pp | 180.65%-167.3pp | 220.34%-207.0pp |
| Employer contribution / active EE | $1,905 | $3,939-51.6% | $3,689-48.4% | $4,156-54.2% |
| Participant deferral / active EE | $4,772 | $5,500-13.2% | $5,072-5.9% | $6,407-25.5% |
| Admin fee / account holder | $631 | $9,721-93.5% | $8,859-92.9% | $12,270-94.9% |