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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 | $131,202 | $155,555-15.7% | $146,866-10.7% | $155,188-15.5% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.5%+5.0pp | 80.8%+6.7pp |
| Annual return | 12.86% | 115.41%-102.6pp | 102.85%-90.0pp | 148.84%-136.0pp |
| Employer contribution / active EE | $3,320 | $4,647-28.6% | $4,425-25.0% | $4,248-21.8% |
| Participant deferral / active EE | $9,043 | $8,044+12.4% | $7,759+16.5% | $6,531+38.5% |
| Admin fee / account holder | $435 | $14,755-97.1% | $13,620-96.8% | $14,480-97.0% |