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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 | $114,196 | $154,228-26.0% | $145,433-21.5% | $137,256-16.8% |
| Participation rate | 91.3% | 83.8%+7.5pp | 82.1%+9.2pp | 80.0%+11.3pp |
| Annual return | 17.40% | 74.59%-57.2pp | 66.58%-49.2pp | 220.34%-202.9pp |
| Employer contribution / active EE | $4,706 | $4,804-2.0% | $4,554+3.3% | $4,156+13.2% |
| Participant deferral / active EE | $13,185 | $8,216+60.5% | $7,897+67.0% | $6,407+105.8% |
| Admin fee / account holder | $8,970 | $14,344-37.5% | $13,129-31.7% | $12,270-26.9% |