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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 | $154,228-27.2% | $145,433-22.8% | $137,256-18.2% |
| Participation rate | 83.3% | 83.8%-0.5pp | 82.1%+1.2pp | 80.0%+3.4pp |
| Annual return | 13.70% | 74.59%-60.9pp | 66.58%-52.9pp | 220.34%-206.6pp |
| Employer contribution / active EE | $3,980 | $4,804-17.1% | $4,554-12.6% | $4,156-4.2% |
| Participant deferral / active EE | $8,702 | $8,216+5.9% | $7,897+10.2% | $6,407+35.8% |
| Admin fee / account holder | $14,688 | $14,344+2.4% | $13,129+11.9% | $12,270+19.7% |