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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 | $94,518 | $148,629-36.4% | $135,982-30.5% | $139,487-32.2% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 16.78% | 79.33%-62.5pp | 68.32%-51.5pp | 373.84%-357.1pp |
| Employer contribution / active EE | $5,863 | $5,247+11.8% | $4,859+20.7% | $4,755+23.3% |
| Participant deferral / active EE | $17,519 | $8,102+116.2% | $7,760+125.8% | $6,713+161.0% |
| Admin fee / account holder | $1,112 | $12,406-91.0% | $10,767-89.7% | $11,407-90.3% |