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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 | $111,535-2.8% | $105,223+3.0% | $137,256-21.0% |
| Participation rate | 86.4% | 78.1%+8.3pp | 75.0%+11.3pp | 80.0%+6.4pp |
| Annual return | 14.58% | 237.85%-223.3pp | 180.65%-166.1pp | 220.34%-205.8pp |
| Employer contribution / active EE | $2,908 | $3,939-26.2% | $3,689-21.2% | $4,156-30.0% |
| Participant deferral / active EE | $5,446 | $5,500-1.0% | $5,072+7.4% | $6,407-15.0% |
| Admin fee / account holder | $2,701 | $9,721-72.2% | $8,859-69.5% | $12,270-78.0% |