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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 | $129,737+1.8% | $119,126+10.9% | $154,746-14.6% |
| Participation rate | 81.8% | 78.9%+3.0pp | 75.8%+6.1pp | 80.7%+1.1pp |
| Annual return | 15.88% | 379.08%-363.2pp | 282.11%-266.2pp | 172.34%-156.5pp |
| Employer contribution / active EE | $3,434 | $4,375-21.5% | $4,034-14.9% | $4,379-21.6% |
| Participant deferral / active EE | $5,851 | $5,842+0.2% | $5,318+10.0% | $6,730-13.1% |
| Admin fee / account holder | $2,274 | $11,961-81.0% | $10,693-78.7% | $14,365-84.2% |