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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 | $181,062-27.7% | $158,223-17.3% | $155,188-15.7% |
| Participation rate | 95.5% | 82.7%+12.8pp | 79.2%+16.3pp | 80.8%+14.7pp |
| Annual return | 13.82% | 57.39%-43.6pp | 52.09%-38.3pp | 148.84%-135.0pp |
| Employer contribution / active EE | $5,739 | $4,565+25.7% | $4,109+39.7% | $4,248+35.1% |
| Participant deferral / active EE | $3,688 | $6,134-39.9% | $5,467-32.5% | $6,531-43.5% |
| Admin fee / account holder | $2,394 | $18,825-87.3% | $16,047-85.1% | $14,480-83.5% |