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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 | $148,712 | $197,594-24.7% | $177,822-16.4% | $158,931-6.4% |
| Participation rate | 91.7% | 88.5%+3.1pp | 87.7%+3.9pp | 82.0%+9.7pp |
| Annual return | 18.20% | 58.76%-40.6pp | 48.32%-30.1pp | 302.86%-284.7pp |
| Employer contribution / active EE | $3,842 | $6,697-42.6% | $5,918-35.1% | $4,761-19.3% |
| Participant deferral / active EE | $8,029 | $8,405-4.5% | $7,714+4.1% | $5,982+34.2% |
| Admin fee / account holder | $4,062 | $15,400-73.6% | $12,428-67.3% | $11,247-63.9% |