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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 | $132,118 | $111,535+18.5% | $105,223+25.6% | $137,256-3.7% |
| Participation rate | 81.8% | 78.1%+3.7pp | 75.0%+6.8pp | 80.0%+1.9pp |
| Annual return | 15.88% | 237.85%-222.0pp | 180.65%-164.8pp | 220.34%-204.5pp |
| Employer contribution / active EE | $3,434 | $3,939-12.8% | $3,689-6.9% | $4,156-17.4% |
| Participant deferral / active EE | $5,851 | $5,500+6.4% | $5,072+15.4% | $6,407-8.7% |
| Admin fee / account holder | $2,274 | $9,721-76.6% | $8,859-74.3% | $12,270-81.5% |