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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 | $108,410 | $129,737-16.4% | $119,126-9.0% | $154,746-29.9% |
| Participation rate | 86.4% | 78.9%+7.5pp | 75.8%+10.6pp | 80.7%+5.7pp |
| Annual return | 14.58% | 379.08%-364.5pp | 282.11%-267.5pp | 172.34%-157.8pp |
| Employer contribution / active EE | $2,908 | $4,375-33.5% | $4,034-27.9% | $4,379-33.6% |
| Participant deferral / active EE | $5,446 | $5,842-6.8% | $5,318+2.4% | $6,730-19.1% |
| Admin fee / account holder | $2,701 | $11,961-77.4% | $10,693-74.7% | $14,365-81.2% |