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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 | $112,740 | $183,516-38.6% | $155,534-27.5% | $145,884-22.7% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 16.95% | 61.43%-44.5pp | 64.92%-48.0pp | 551.85%-534.9pp |
| Employer contribution / active EE | $2,134 | $5,315-59.8% | $4,675-54.3% | $4,662-54.2% |
| Participant deferral / active EE | $4,259 | $6,467-34.1% | $5,630-24.4% | $6,690-36.3% |
| Admin fee / account holder | $2,184 | $19,293-88.7% | $15,900-86.3% | $13,392-83.7% |