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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 | $72,436 | $165,381-56.2% | $149,730-51.6% | $158,966-54.4% |
| Participation rate | 83.3% | 84.6%-1.2pp | 82.5%+0.9pp | 82.0%+1.4pp |
| Annual return | 15.98% | 348.29%-332.3pp | 276.70%-260.7pp | 302.95%-287.0pp |
| Employer contribution / active EE | $2,963 | $5,104-41.9% | $4,645-36.2% | $4,762-37.8% |
| Participant deferral / active EE | $7,290 | $7,182+1.5% | $6,843+6.5% | $5,983+21.8% |
| Admin fee / account holder | $9,221 | $10,809-14.7% | $9,310-1.0% | $11,250-18.0% |