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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 | $127,146 | $172,111-26.1% | $150,298-15.4% | $137,256-7.4% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 21.11% | 69.37%-48.3pp | 62.79%-41.7pp | 220.34%-199.2pp |
| Employer contribution / active EE | $3,922 | $4,636-15.4% | $4,154-5.6% | $4,156-5.6% |
| Participant deferral / active EE | $10,055 | $6,166+63.1% | $5,453+84.4% | $6,407+56.9% |
| Admin fee / account holder | $786 | $16,471-95.2% | $14,116-94.4% | $12,270-93.6% |