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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 | $137,398 | $154,228-10.9% | $145,433-5.5% | $137,256+0.1% |
| Participation rate | 90.0% | 83.8%+6.2pp | 82.1%+7.9pp | 80.0%+10.0pp |
| Annual return | 21.35% | 74.59%-53.2pp | 66.58%-45.2pp | 220.34%-199.0pp |
| Employer contribution / active EE | $3,941 | $4,804-18.0% | $4,554-13.5% | $4,156-5.2% |
| Participant deferral / active EE | $7,583 | $8,216-7.7% | $7,897-4.0% | $6,407+18.4% |
| Admin fee / account holder | $1,933 | $14,344-86.5% | $13,129-85.3% | $12,270-84.2% |