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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 | $135,481 | $172,111-21.3% | $150,298-9.9% | $137,256-1.3% |
| Participation rate | 91.7% | 81.7%+10.0pp | 77.8%+13.9pp | 80.0%+11.7pp |
| Annual return | 17.07% | 69.37%-52.3pp | 62.79%-45.7pp | 220.34%-203.3pp |
| Employer contribution / active EE | $3,378 | $4,636-27.1% | $4,154-18.7% | $4,156-18.7% |
| Participant deferral / active EE | $8,832 | $6,166+43.3% | $5,453+62.0% | $6,407+37.9% |
| Admin fee / account holder | $2,413 | $16,471-85.3% | $14,116-82.9% | $12,270-80.3% |