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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 | $112,312 | $162,136-30.7% | $152,301-26.3% | $154,746-27.4% |
| Participation rate | 83.3% | 84.1%-0.8pp | 82.4%+0.9pp | 80.7%+2.6pp |
| Annual return | 13.70% | 91.02%-77.3pp | 80.50%-66.8pp | 172.34%-158.6pp |
| Employer contribution / active EE | $3,980 | $4,890-18.6% | $4,624-13.9% | $4,379-9.1% |
| Participant deferral / active EE | $8,702 | $8,341+4.3% | $8,004+8.7% | $6,730+29.3% |
| Admin fee / account holder | $14,688 | $15,759-6.8% | $14,398+2.0% | $14,365+2.2% |