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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 | $119,435 | $154,228-22.6% | $145,433-17.9% | $137,256-13.0% |
| Participation rate | 91.3% | 83.8%+7.5pp | 82.1%+9.2pp | 80.0%+11.3pp |
| Annual return | 18.93% | 74.59%-55.7pp | 66.58%-47.6pp | 220.34%-201.4pp |
| Employer contribution / active EE | $4,905 | $4,804+2.1% | $4,554+7.7% | $4,156+18.0% |
| Participant deferral / active EE | $9,098 | $8,216+10.7% | $7,897+15.2% | $6,407+42.0% |
| Admin fee / account holder | $5,806 | $14,344-59.5% | $13,129-55.8% | $12,270-52.7% |