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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 | $185,312-31.4% | $161,489-21.3% | $154,746-17.8% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 21.11% | 103.84%-82.7pp | 89.72%-68.6pp | 172.34%-151.2pp |
| Employer contribution / active EE | $3,922 | $4,769-17.8% | $4,268-8.1% | $4,379-10.4% |
| Participant deferral / active EE | $10,055 | $6,350+58.3% | $5,630+78.6% | $6,730+49.4% |
| Admin fee / account holder | $786 | $18,654-95.8% | $16,006-95.1% | $14,365-94.5% |