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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 | $132,241 | $162,136-18.4% | $152,301-13.2% | $154,746-14.5% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 12.80% | 91.02%-78.2pp | 80.50%-67.7pp | 172.34%-159.5pp |
| Employer contribution / active EE | $6,846 | $4,890+40.0% | $4,624+48.0% | $4,379+56.3% |
| Participant deferral / active EE | $9,846 | $8,341+18.0% | $8,004+23.0% | $6,730+46.3% |
| Admin fee / account holder | $6,103 | $15,759-61.3% | $14,398-57.6% | $14,365-57.5% |