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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 | $135,151 | $165,381-18.3% | $149,730-9.7% | $158,966-15.0% |
| Participation rate | 86.4% | 84.6%+1.8pp | 82.5%+3.9pp | 82.0%+4.4pp |
| Annual return | 15.03% | 348.29%-333.3pp | 276.70%-261.7pp | 302.95%-287.9pp |
| Employer contribution / active EE | $4,435 | $5,104-13.1% | $4,645-4.5% | $4,762-6.9% |
| Participant deferral / active EE | $11,862 | $7,182+65.2% | $6,843+73.4% | $5,983+98.3% |
| Admin fee / account holder | $1,056 | $10,809-90.2% | $9,310-88.7% | $11,250-90.6% |