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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 | $132,412 | $162,136-18.3% | $152,301-13.1% | $154,746-14.4% |
| Participation rate | 86.7% | 84.1%+2.6pp | 82.4%+4.2pp | 80.7%+6.0pp |
| Annual return | 15.87% | 91.02%-75.2pp | 80.50%-64.6pp | 172.34%-156.5pp |
| Employer contribution / active EE | $3,591 | $4,890-26.6% | $4,624-22.4% | $4,379-18.0% |
| Participant deferral / active EE | $5,760 | $8,341-30.9% | $8,004-28.0% | $6,730-14.4% |
| Admin fee / account holder | $10,536 | $15,759-33.1% | $14,398-26.8% | $14,365-26.7% |