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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 | $91,716 | $132,634-30.9% | $115,768-20.8% | $137,256-33.2% |
| Participation rate | 87.5% | 77.9%+9.6pp | 74.4%+13.1pp | 80.0%+7.5pp |
| Annual return | 15.15% | 160.70%-145.6pp | 100.46%-85.3pp | 220.34%-205.2pp |
| Employer contribution / active EE | $1,841 | $3,360-45.2% | $2,940-37.4% | $4,156-55.7% |
| Participant deferral / active EE | $3,905 | $5,619-30.5% | $4,917-20.6% | $6,407-39.0% |
| Admin fee / account holder | $2,317 | $15,028-84.6% | $12,439-81.4% | $12,270-81.1% |