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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 | $145,994 | $165,361-11.7% | $149,715-2.5% | $158,950-8.2% |
| Participation rate | 83.3% | 84.6%-1.2pp | 82.5%+0.9pp | 82.0%+1.4pp |
| Annual return | 14.20% | 348.24%-334.0pp | 276.66%-262.5pp | 302.91%-288.7pp |
| Employer contribution / active EE | $3,446 | $5,103-32.5% | $4,645-25.8% | $4,762-27.6% |
| Participant deferral / active EE | $5,451 | $7,182-24.1% | $6,842-20.3% | $5,983-8.9% |
| Admin fee / account holder | $10,463 | $10,808-3.2% | $9,310+12.4% | $11,248-7.0% |