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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 | $69,218 | $114,119-39.3% | $107,187-35.4% | $138,895-50.2% |
| Participation rate | 81.0% | 78.1%+2.9pp | 75.0%+5.9pp | 79.9%+1.0pp |
| Annual return | 14.27% | 273.21%-258.9pp | 204.55%-190.3pp | 145.39%-131.1pp |
| Employer contribution / active EE | $2,191 | $4,059-46.0% | $3,782-42.1% | $4,194-47.8% |
| Participant deferral / active EE | $5,304 | $5,538-4.2% | $5,096+4.1% | $6,396-17.1% |
| Admin fee / account holder | $8,649 | $10,024-13.7% | $9,162-5.6% | $12,562-31.2% |