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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 | $156,398-15.3% | $147,318-10.1% | $138,895-4.7% |
| Participation rate | 86.7% | 83.8%+2.9pp | 82.1%+4.6pp | 79.9%+6.7pp |
| Annual return | 15.87% | 78.75%-62.9pp | 70.43%-54.6pp | 145.39%-129.5pp |
| Employer contribution / active EE | $3,591 | $4,853-26.0% | $4,593-21.8% | $4,194-14.4% |
| Participant deferral / active EE | $5,760 | $8,237-30.1% | $7,906-27.2% | $6,396-10.0% |
| Admin fee / account holder | $10,536 | $14,976-29.6% | $13,708-23.1% | $12,562-16.1% |