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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 | $141,403 | $174,379-18.9% | $152,093-7.0% | $138,895+1.8% |
| Participation rate | 80.0% | 81.6%-1.6pp | 77.8%+2.2pp | 79.9%+0.1pp |
| Annual return | 14.11% | 74.86%-60.7pp | 66.36%-52.2pp | 145.39%-131.3pp |
| Employer contribution / active EE | $3,917 | $4,652-15.8% | $4,175-6.2% | $4,194-6.6% |
| Participant deferral / active EE | $6,995 | $6,159+13.6% | $5,451+28.3% | $6,396+9.4% |
| Admin fee / account holder | $702 | $16,880-95.8% | $14,497-95.2% | $12,562-94.4% |