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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 | $143,378 | $178,174-19.5% | $156,181-8.2% | $137,256+4.5% |
| Participation rate | 92.3% | 82.0%+10.3pp | 78.8%+13.5pp | 80.0%+12.3pp |
| Annual return | 17.33% | 84.19%-66.9pp | 64.87%-47.5pp | 220.34%-203.0pp |
| Employer contribution / active EE | $3,324 | $4,972-33.1% | $4,294-22.6% | $4,156-20.0% |
| Participant deferral / active EE | $12,957 | $6,888+88.1% | $6,132+111.3% | $6,407+102.2% |
| Admin fee / account holder | $7,656 | $17,404-56.0% | $14,586-47.5% | $12,270-37.6% |