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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 | $185,312-29.4% | $161,489-19.0% | $154,746-15.4% |
| Participation rate | 95.5% | 82.5%+13.0pp | 78.7%+16.8pp | 80.7%+14.8pp |
| Annual return | 13.82% | 103.84%-90.0pp | 89.72%-75.9pp | 172.34%-158.5pp |
| Employer contribution / active EE | $5,739 | $4,769+20.3% | $4,268+34.5% | $4,379+31.0% |
| Participant deferral / active EE | $3,688 | $6,350-41.9% | $5,630-34.5% | $6,730-45.2% |
| Admin fee / account holder | $2,394 | $18,654-87.2% | $16,006-85.0% | $14,365-83.3% |