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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 | $118,897 | $134,817-11.8% | $123,973-4.1% | $155,188-23.4% |
| Participation rate | 92.3% | 79.4%+12.9pp | 76.7%+15.6pp | 80.8%+11.5pp |
| Annual return | 13.98% | 515.49%-501.5pp | 388.13%-374.1pp | 148.84%-134.9pp |
| Employer contribution / active EE | $1,571 | $4,425-64.5% | $4,126-61.9% | $4,248-63.0% |
| Participant deferral / active EE | $3,880 | $5,706-32.0% | $5,247-26.1% | $6,531-40.6% |
| Admin fee / account holder | $3,612 | $13,245-72.7% | $11,799-69.4% | $14,480-75.1% |