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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 | $113,568 | $115,917-2.0% | $100,535+13.0% | $158,982-28.6% |
| Participation rate | 82.4% | 81.6%+0.8pp | 79.4%+2.9pp | 82.0%+0.4pp |
| Annual return | 15.01% | 34.80%-19.8pp | 30.90%-15.9pp | 302.99%-288.0pp |
| Employer contribution / active EE | $4,873 | $4,105+18.7% | $3,419+42.5% | $4,763+2.3% |
| Participant deferral / active EE | $5,283 | $6,677-20.9% | $6,271-15.8% | $5,983-11.7% |
| Admin fee / account holder | $2,154 | $11,002-80.4% | $8,085-73.4% | $11,252-80.9% |