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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 | $165,399-11.7% | $149,745-2.5% | $158,982-8.2% |
| Participation rate | 83.3% | 84.6%-1.2pp | 82.5%+0.9pp | 82.0%+1.4pp |
| Annual return | 14.20% | 348.34%-334.1pp | 276.72%-262.5pp | 302.99%-288.8pp |
| Employer contribution / active EE | $3,446 | $5,105-32.5% | $4,646-25.8% | $4,763-27.6% |
| Participant deferral / active EE | $5,451 | $7,183-24.1% | $6,843-20.3% | $5,983-8.9% |
| Admin fee / account holder | $10,463 | $10,811-3.2% | $9,312+12.4% | $11,252-7.0% |