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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 | $81,181 | $114,119-28.9% | $107,187-24.3% | $138,895-41.6% |
| Participation rate | 77.8% | 78.1%-0.3pp | 75.0%+2.8pp | 79.9%-2.1pp |
| Annual return | 14.92% | 273.21%-258.3pp | 204.55%-189.6pp | 145.39%-130.5pp |
| Employer contribution / active EE | $3,889 | $4,059-4.2% | $3,782+2.8% | $4,194-7.3% |
| Participant deferral / active EE | $3,653 | $5,538-34.0% | $5,096-28.3% | $6,396-42.9% |
| Admin fee / account holder | $807 | $10,024-91.9% | $9,162-91.2% | $12,562-93.6% |