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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 | $95,112 | $106,247-10.5% | $96,515-1.5% | $139,466-31.8% |
| Participation rate | 89.5% | 77.8%+11.6pp | 74.3%+15.1pp | 80.3%+9.1pp |
| Annual return | 13.60% | 38.47%-24.9pp | 35.73%-22.1pp | 373.66%-360.1pp |
| Employer contribution / active EE | $5,336 | $4,106+30.0% | $3,740+42.7% | $4,754+12.3% |
| Participant deferral / active EE | $5,499 | $5,456+0.8% | $4,880+12.7% | $6,712-18.1% |
| Admin fee / account holder | $2,157 | $7,885-72.6% | $6,735-68.0% | $11,409-81.1% |