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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 | $130,790 | $165,361-20.9% | $149,715-12.6% | $158,950-17.7% |
| Participation rate | 82.6% | 84.6%-2.0pp | 82.5%+0.1pp | 82.0%+0.6pp |
| Annual return | 14.36% | 348.24%-333.9pp | 276.66%-262.3pp | 302.91%-288.5pp |
| Employer contribution / active EE | $2,126 | $5,103-58.3% | $4,645-54.2% | $4,762-55.4% |
| Participant deferral / active EE | $8,806 | $7,182+22.6% | $6,842+28.7% | $5,983+47.2% |
| Admin fee / account holder | $18,320 | $10,808+69.5% | $9,310+96.8% | $11,248+62.9% |