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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 | $132,495 | $174,379-24.0% | $152,093-12.9% | $138,895-4.6% |
| Participation rate | 76.5% | 81.6%-5.2pp | 77.8%-1.3pp | 79.9%-3.4pp |
| Annual return | 11.40% | 74.86%-63.5pp | 66.36%-55.0pp | 145.39%-134.0pp |
| Employer contribution / active EE | $5,332 | $4,652+14.6% | $4,175+27.7% | $4,194+27.1% |
| Participant deferral / active EE | $2,913 | $6,159-52.7% | $5,451-46.6% | $6,396-54.5% |
| Admin fee / account holder | $6,036 | $16,880-64.2% | $14,497-58.4% | $12,562-51.9% |