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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 | $97,909 | $111,535-12.2% | $105,223-7.0% | $137,256-28.7% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 18.97% | 237.85%-218.9pp | 180.65%-161.7pp | 220.34%-201.4pp |
| Employer contribution / active EE | $3,059 | $3,939-22.4% | $3,689-17.1% | $4,156-26.4% |
| Participant deferral / active EE | $11,177 | $5,500+103.2% | $5,072+120.4% | $6,407+74.4% |
| Admin fee / account holder | $1,057 | $9,721-89.1% | $8,859-88.1% | $12,270-91.4% |