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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 | $107,258 | $178,174-39.8% | $156,181-31.3% | $137,256-21.9% |
| Participation rate | 86.7% | 82.0%+4.6pp | 78.8%+7.8pp | 80.0%+6.7pp |
| Annual return | 14.80% | 84.19%-69.4pp | 64.87%-50.1pp | 220.34%-205.5pp |
| Employer contribution / active EE | $4,068 | $4,972-18.2% | $4,294-5.3% | $4,156-2.1% |
| Participant deferral / active EE | $12,598 | $6,888+82.9% | $6,132+105.4% | $6,407+96.6% |
| Admin fee / account holder | $5,453 | $17,404-68.7% | $14,586-62.6% | $12,270-55.6% |