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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 | $107,858 | $129,960-17.0% | $104,299+3.4% | $134,545-19.8% |
| Participation rate | 85.7% | 79.5%+6.2pp | 73.3%+12.4pp | 81.2%+4.5pp |
| Annual return | 7.99% | 42.06%-34.1pp | 24.62%-16.6pp | 418.37%-410.4pp |
| Employer contribution / active EE | $4,022 | $4,186-3.9% | $3,373+19.2% | $4,742-15.2% |
| Participant deferral / active EE | $5,568 | $5,589-0.4% | $4,626+20.4% | $6,401-13.0% |
| Admin fee / account holder | $3,866 | $9,324-58.5% | $7,339-47.3% | $11,431-66.2% |