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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 | $98,474 | $111,535-11.7% | $105,223-6.4% | $137,256-28.3% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 17.39% | 237.85%-220.5pp | 180.65%-163.3pp | 220.34%-203.0pp |
| Employer contribution / active EE | $2,244 | $3,939-43.0% | $3,689-39.2% | $4,156-46.0% |
| Participant deferral / active EE | $8,470 | $5,500+54.0% | $5,072+67.0% | $6,407+32.2% |
| Admin fee / account holder | $20,251 | $9,721+108.3% | $8,859+128.6% | $12,270+65.0% |