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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 | $101,833 | $156,398-34.9% | $147,318-30.9% | $138,895-26.7% |
| Participation rate | 72.7% | 83.8%-11.0pp | 82.1%-9.3pp | 79.9%-7.2pp |
| Annual return | 14.52% | 78.75%-64.2pp | 70.43%-55.9pp | 145.39%-130.9pp |
| Employer contribution / active EE | $3,974 | $4,853-18.1% | $4,593-13.5% | $4,194-5.3% |
| Participant deferral / active EE | $12,615 | $8,237+53.1% | $7,906+59.6% | $6,396+97.2% |
| Admin fee / account holder | $12,892 | $14,976-13.9% | $13,708-5.9% | $12,562+2.6% |