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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 | $135,135 | $178,174-24.2% | $156,181-13.5% | $137,256-1.5% |
| Participation rate | 91.7% | 82.0%+9.6pp | 78.8%+12.8pp | 80.0%+11.7pp |
| Annual return | 13.28% | 84.19%-70.9pp | 64.87%-51.6pp | 220.34%-207.1pp |
| Employer contribution / active EE | $3,564 | $4,972-28.3% | $4,294-17.0% | $4,156-14.3% |
| Participant deferral / active EE | $10,412 | $6,888+51.2% | $6,132+69.8% | $6,407+62.5% |
| Admin fee / account holder | $13,929 | $17,404-20.0% | $14,586-4.5% | $12,270+13.5% |