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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 | $165,615 | $172,111-3.8% | $150,298+10.2% | $137,256+20.7% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 16.83% | 69.37%-52.5pp | 62.79%-46.0pp | 220.34%-203.5pp |
| Employer contribution / active EE | $3,375 | $4,636-27.2% | $4,154-18.8% | $4,156-18.8% |
| Participant deferral / active EE | $10,177 | $6,166+65.1% | $5,453+86.6% | $6,407+58.8% |
| Admin fee / account holder | $1,294 | $16,471-92.1% | $14,116-90.8% | $12,270-89.5% |