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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 | $106,917 | $154,228-30.7% | $145,433-26.5% | $137,256-22.1% |
| Participation rate | 81.0% | 83.8%-2.8pp | 82.1%-1.2pp | 80.0%+1.0pp |
| Annual return | 14.56% | 74.59%-60.0pp | 66.58%-52.0pp | 220.34%-205.8pp |
| Employer contribution / active EE | $4,068 | $4,804-15.3% | $4,554-10.7% | $4,156-2.1% |
| Participant deferral / active EE | $13,517 | $8,216+64.5% | $7,897+71.2% | $6,407+111.0% |
| Admin fee / account holder | $9,252 | $14,344-35.5% | $13,129-29.5% | $12,270-24.6% |