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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 | $140,037 | $185,312-24.4% | $161,489-13.3% | $154,746-9.5% |
| Participation rate | 91.7% | 82.5%+9.2pp | 78.7%+13.0pp | 80.7%+11.0pp |
| Annual return | 34.24% | 103.84%-69.6pp | 89.72%-55.5pp | 172.34%-138.1pp |
| Employer contribution / active EE | $3,660 | $4,769-23.2% | $4,268-14.2% | $4,379-16.4% |
| Participant deferral / active EE | $6,490 | $6,350+2.2% | $5,630+15.3% | $6,730-3.6% |
| Admin fee / account holder | $3,937 | $18,654-78.9% | $16,006-75.4% | $14,365-72.6% |