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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 | $129,776 | $155,555-16.6% | $146,866-11.6% | $155,188-16.4% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.5%+5.0pp | 80.8%+6.7pp |
| Annual return | 12.99% | 115.41%-102.4pp | 102.85%-89.9pp | 148.84%-135.8pp |
| Employer contribution / active EE | $3,148 | $4,647-32.3% | $4,425-28.9% | $4,248-25.9% |
| Participant deferral / active EE | $9,183 | $8,044+14.2% | $7,759+18.4% | $6,531+40.6% |
| Admin fee / account holder | $9,262 | $14,755-37.2% | $13,620-32.0% | $14,480-36.0% |