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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 | $108,882 | $155,833-30.1% | $124,693-12.7% | $167,536-35.0% |
| Participation rate | 84.6% | 81.1%+3.5pp | 74.6%+10.0pp | 82.1%+2.5pp |
| Annual return | 21.49% | 17.98%+3.5pp | 5144.19%-5122.7pp | 478.82%-457.3pp |
| Employer contribution / active EE | $4,591 | $4,164+10.2% | $3,324+38.1% | $4,839-5.1% |
| Participant deferral / active EE | $4,546 | $5,675-19.9% | $4,615-1.5% | $6,342-28.3% |
| Admin fee / account holder | $5,117 | $9,534-46.3% | $7,494-31.7% | $12,315-58.5% |