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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 | $110,233 | $111,535-1.2% | $105,223+4.8% | $137,256-19.7% |
| Participation rate | 79.2% | 78.1%+1.1pp | 75.0%+4.1pp | 80.0%-0.8pp |
| Annual return | 15.03% | 237.85%-222.8pp | 180.65%-165.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $2,385 | $3,939-39.5% | $3,689-35.3% | $4,156-42.6% |
| Participant deferral / active EE | $4,930 | $5,500-10.4% | $5,072-2.8% | $6,407-23.0% |
| Admin fee / account holder | $5,464 | $9,721-43.8% | $8,859-38.3% | $12,270-55.5% |