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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 | $123,013 | $178,174-31.0% | $156,181-21.2% | $137,256-10.4% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.8%+4.5pp | 80.0%+3.4pp |
| Annual return | 13.59% | 84.19%-70.6pp | 64.87%-51.3pp | 220.34%-206.7pp |
| Employer contribution / active EE | $3,039 | $4,972-38.9% | $4,294-29.2% | $4,156-26.9% |
| Participant deferral / active EE | $7,411 | $6,888+7.6% | $6,132+20.9% | $6,407+15.7% |
| Admin fee / account holder | $3,150 | $17,404-81.9% | $14,586-78.4% | $12,270-74.3% |