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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 | $136,716 | $165,399-17.3% | $149,745-8.7% | $158,982-14.0% |
| Participation rate | 94.4% | 84.6%+9.9pp | 82.5%+12.0pp | 82.0%+12.5pp |
| Annual return | 16.18% | 348.34%-332.2pp | 276.72%-260.5pp | 302.99%-286.8pp |
| Employer contribution / active EE | $4,415 | $5,105-13.5% | $4,646-5.0% | $4,763-7.3% |
| Participant deferral / active EE | $5,894 | $7,183-17.9% | $6,843-13.9% | $5,983-1.5% |
| Admin fee / account holder | $8,345 | $10,811-22.8% | $9,312-10.4% | $11,252-25.8% |