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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 | $94,534 | $88,672+6.6% | $105,223-10.2% | $82,448+14.7% |
| Participation rate | 80.0% | 67.9%+12.1pp | 75.0%+5.0pp | 68.1%+11.9pp |
| Annual return | 16.82% | 30.86%-14.0pp | 180.65%-163.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $4,683 | $3,048+53.7% | $3,689+27.0% | $2,551+83.6% |
| Participant deferral / active EE | $5,137 | $4,036+27.3% | $5,072+1.3% | $4,139+24.1% |
| Admin fee / account holder | $2,711 | $7,146-62.1% | $8,859-69.4% | $7,234-62.5% |