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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 | $130,858 | $174,379-25.0% | $152,093-14.0% | $138,895-5.8% |
| Participation rate | 95.5% | 81.6%+13.8pp | 77.8%+17.7pp | 79.9%+15.5pp |
| Annual return | 13.82% | 74.86%-61.0pp | 66.36%-52.5pp | 145.39%-131.6pp |
| Employer contribution / active EE | $5,739 | $4,652+23.4% | $4,175+37.5% | $4,194+36.8% |
| Participant deferral / active EE | $3,688 | $6,159-40.1% | $5,451-32.3% | $6,396-42.3% |
| Admin fee / account holder | $2,394 | $16,880-85.8% | $14,497-83.5% | $12,562-80.9% |