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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 | $171,025 | $178,174-4.0% | $156,181+9.5% | $137,256+24.6% |
| Participation rate | 85.0% | 82.0%+3.0pp | 78.8%+6.2pp | 80.0%+5.0pp |
| Annual return | 16.30% | 84.19%-67.9pp | 64.87%-48.6pp | 220.34%-204.0pp |
| Employer contribution / active EE | $3,060 | $4,972-38.5% | $4,294-28.7% | $4,156-26.4% |
| Participant deferral / active EE | $7,783 | $6,888+13.0% | $6,132+26.9% | $6,407+21.5% |
| Admin fee / account holder | $3,649 | $17,404-79.0% | $14,586-75.0% | $12,270-70.3% |