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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 | $106,709 | $118,695-10.1% | $98,916+7.9% | $158,950-32.9% |
| Participation rate | 85.7% | 77.8%+7.9pp | 76.0%+9.7pp | 82.0%+3.8pp |
| Annual return | 16.05% | 372.39%-356.3pp | 196.45%-180.4pp | 302.91%-286.9pp |
| Employer contribution / active EE | $1,834 | $3,333-45.0% | $2,689-31.8% | $4,762-61.5% |
| Participant deferral / active EE | $4,785 | $5,088-6.0% | $4,245+12.7% | $5,983-20.0% |
| Admin fee / account holder | $957 | $10,132-90.6% | $6,642-85.6% | $11,248-91.5% |