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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 | $127,104 | $162,136-21.6% | $152,301-16.5% | $154,746-17.9% |
| Participation rate | 90.5% | 84.1%+6.4pp | 82.4%+8.0pp | 80.7%+9.8pp |
| Annual return | 26.98% | 91.02%-64.0pp | 80.50%-53.5pp | 172.34%-145.4pp |
| Employer contribution / active EE | $3,438 | $4,890-29.7% | $4,624-25.7% | $4,379-21.5% |
| Participant deferral / active EE | $7,070 | $8,341-15.2% | $8,004-11.7% | $6,730+5.1% |
| Admin fee / account holder | $8,606 | $15,759-45.4% | $14,398-40.2% | $14,365-40.1% |