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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 | $109,058 | $125,778-13.3% | $114,563-4.8% | $154,746-29.5% |
| Participation rate | 90.9% | 75.2%+15.7pp | 72.9%+18.0pp | 80.7%+10.2pp |
| Annual return | 15.91% | 295.14%-279.2pp | 241.09%-225.2pp | 172.34%-156.4pp |
| Employer contribution / active EE | $1,610 | $2,806-42.6% | $2,592-37.9% | $4,379-63.2% |
| Participant deferral / active EE | $5,110 | $4,445+15.0% | $4,142+23.4% | $6,730-24.1% |
| Admin fee / account holder | $3,343 | $8,190-59.2% | $7,623-56.1% | $14,365-76.7% |