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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 | $152,509 | $183,516-16.9% | $155,534-1.9% | $145,884+4.5% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 8.93% | 61.43%-52.5pp | 64.92%-56.0pp | 551.85%-542.9pp |
| Employer contribution / active EE | $3,458 | $5,315-34.9% | $4,675-26.0% | $4,662-25.8% |
| Participant deferral / active EE | $6,038 | $6,467-6.6% | $5,630+7.2% | $6,690-9.7% |
| Admin fee / account holder | $2,419 | $19,293-87.5% | $15,900-84.8% | $13,392-81.9% |