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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 | $128,578 | $178,174-27.8% | $156,181-17.7% | $137,256-6.3% |
| Participation rate | 87.0% | 82.0%+4.9pp | 78.8%+8.1pp | 80.0%+7.0pp |
| Annual return | 20.86% | 84.19%-63.3pp | 64.87%-44.0pp | 220.34%-199.5pp |
| Employer contribution / active EE | $3,800 | $4,972-23.6% | $4,294-11.5% | $4,156-8.6% |
| Participant deferral / active EE | $9,617 | $6,888+39.6% | $6,132+56.8% | $6,407+50.1% |
| Admin fee / account holder | $16,364 | $17,404-6.0% | $14,586+12.2% | $12,270+33.4% |