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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 | $123,684 | $156,398-20.9% | $147,318-16.0% | $138,895-11.0% |
| Participation rate | 85.7% | 83.8%+2.0pp | 82.1%+3.6pp | 79.9%+5.8pp |
| Annual return | 15.09% | 78.75%-63.7pp | 70.43%-55.3pp | 145.39%-130.3pp |
| Employer contribution / active EE | $2,909 | $4,853-40.1% | $4,593-36.7% | $4,194-30.6% |
| Participant deferral / active EE | $8,332 | $8,237+1.2% | $7,906+5.4% | $6,396+30.3% |
| Admin fee / account holder | $4,512 | $14,976-69.9% | $13,708-67.1% | $12,562-64.1% |