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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 | $115,016 | $154,228-25.4% | $145,433-20.9% | $137,256-16.2% |
| Participation rate | 84.6% | 83.8%+0.8pp | 82.1%+2.5pp | 80.0%+4.7pp |
| Annual return | 19.30% | 74.59%-55.3pp | 66.58%-47.3pp | 220.34%-201.0pp |
| Employer contribution / active EE | $3,032 | $4,804-36.9% | $4,554-33.4% | $4,156-27.0% |
| Participant deferral / active EE | $10,127 | $8,216+23.2% | $7,897+28.2% | $6,407+58.1% |
| Admin fee / account holder | $3,002 | $14,344-79.1% | $13,129-77.1% | $12,270-75.5% |