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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 | $111,931 | $162,821-31.3% | $133,978-16.5% | $158,982-29.6% |
| Participation rate | 90.9% | 83.2%+7.7pp | 79.8%+11.1pp | 82.0%+8.9pp |
| Annual return | 10.95% | 41.95%-31.0pp | 45.10%-34.1pp | 302.99%-292.0pp |
| Employer contribution / active EE | $0 | $4,976-100.0% | $3,919-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,762 | $5,910-36.3% | $5,047-25.5% | $5,983-37.1% |
| Admin fee / account holder | $1,124 | $11,742-90.4% | $8,930-87.4% | $11,252-90.0% |