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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 | $139,531 | $172,111-18.9% | $150,298-7.2% | $137,256+1.7% |
| Participation rate | 87.5% | 81.7%+5.8pp | 77.8%+9.7pp | 80.0%+7.5pp |
| Annual return | 15.97% | 69.37%-53.4pp | 62.79%-46.8pp | 220.34%-204.4pp |
| Employer contribution / active EE | $3,467 | $4,636-25.2% | $4,154-16.5% | $4,156-16.6% |
| Participant deferral / active EE | $8,115 | $6,166+31.6% | $5,453+48.8% | $6,407+26.7% |
| Admin fee / account holder | $4,420 | $16,471-73.2% | $14,116-68.7% | $12,270-64.0% |