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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 | $144,019 | $227,597-36.7% | $189,575-24.0% | $167,536-14.0% |
| Participation rate | 83.3% | 82.5%+0.8pp | 78.4%+4.9pp | 82.1%+1.2pp |
| Annual return | 15.06% | 78.44%-63.4pp | 64.19%-49.1pp | 478.82%-463.8pp |
| Employer contribution / active EE | $3,635 | $5,316-31.6% | $4,412-17.6% | $4,839-24.9% |
| Participant deferral / active EE | $4,242 | $7,002-39.4% | $6,174-31.3% | $6,342-33.1% |
| Admin fee / account holder | $850 | $11,877-92.8% | $9,806-91.3% | $12,315-93.1% |