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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 | $86,771 | $125,184-30.7% | $105,607-17.8% | $145,884-40.5% |
| Participation rate | 85.7% | 77.6%+8.1pp | 75.3%+10.4pp | 80.3%+5.4pp |
| Annual return | 11.31% | 225.00%-213.7pp | 116.11%-104.8pp | 551.85%-540.5pp |
| Employer contribution / active EE | $1,972 | $3,720-47.0% | $3,167-37.7% | $4,662-57.7% |
| Participant deferral / active EE | $4,485 | $5,714-21.5% | $5,011-10.5% | $6,690-33.0% |
| Admin fee / account holder | $12,644 | $17,133-26.2% | $10,958+15.4% | $13,392-5.6% |