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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 | $124,026 | $174,379-28.9% | $152,093-18.5% | $138,895-10.7% |
| Participation rate | 85.7% | 81.6%+4.1pp | 77.8%+7.9pp | 79.9%+5.8pp |
| Annual return | 16.63% | 74.86%-58.2pp | 66.36%-49.7pp | 145.39%-128.8pp |
| Employer contribution / active EE | $4,316 | $4,652-7.2% | $4,175+3.4% | $4,194+2.9% |
| Participant deferral / active EE | $5,438 | $6,159-11.7% | $5,451-0.3% | $6,396-15.0% |
| Admin fee / account holder | $10,348 | $16,880-38.7% | $14,497-28.6% | $12,562-17.6% |