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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 | $128,837 | $88,672+45.3% | $105,223+22.4% | $82,448+56.3% |
| Participation rate | 93.9% | 67.9%+26.0pp | 75.0%+18.8pp | 68.1%+25.8pp |
| Annual return | 14.45% | 30.86%-16.4pp | 180.65%-166.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $3,164 | $3,048+3.8% | $3,689-14.2% | $2,551+24.0% |
| Participant deferral / active EE | $4,263 | $4,036+5.6% | $5,072-15.9% | $4,139+3.0% |
| Admin fee / account holder | $4,065 | $7,146-43.1% | $8,859-54.1% | $7,234-43.8% |