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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 | $98,591 | $114,119-13.6% | $107,187-8.0% | $138,895-29.0% |
| Participation rate | 81.8% | 78.1%+3.7pp | 75.0%+6.8pp | 79.9%+1.9pp |
| Annual return | 16.47% | 273.21%-256.7pp | 204.55%-188.1pp | 145.39%-128.9pp |
| Employer contribution / active EE | $1,286 | $4,059-68.3% | $3,782-66.0% | $4,194-69.3% |
| Participant deferral / active EE | $6,544 | $5,538+18.2% | $5,096+28.4% | $6,396+2.3% |
| Admin fee / account holder | $1,711 | $10,024-82.9% | $9,162-81.3% | $12,562-86.4% |