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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 | $155,901 | $178,174-12.5% | $156,181-0.2% | $137,256+13.6% |
| Participation rate | 88.2% | 82.0%+6.2pp | 78.8%+9.4pp | 80.0%+8.3pp |
| Annual return | 16.24% | 84.19%-68.0pp | 64.87%-48.6pp | 220.34%-204.1pp |
| Employer contribution / active EE | $2,787 | $4,972-43.9% | $4,294-35.1% | $4,156-32.9% |
| Participant deferral / active EE | $8,984 | $6,888+30.4% | $6,132+46.5% | $6,407+40.2% |
| Admin fee / account holder | $2,634 | $17,404-84.9% | $14,586-81.9% | $12,270-78.5% |