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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 | $107,852 | $157,296-31.4% | $141,191-23.6% | $152,897-29.5% |
| Participation rate | 87.5% | 84.8%+2.7pp | 82.5%+5.0pp | 82.5%+5.0pp |
| Annual return | 14.74% | 64.34%-49.6pp | 71.41%-56.7pp | 345.43%-330.7pp |
| Employer contribution / active EE | $3,364 | $5,262-36.1% | $4,736-29.0% | $4,764-29.4% |
| Participant deferral / active EE | $6,007 | $7,111-15.5% | $6,710-10.5% | $5,851+2.7% |
| Admin fee / account holder | $6,979 | $12,125-42.4% | $10,264-32.0% | $11,599-39.8% |