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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 | $106,285 | $156,398-32.0% | $147,318-27.9% | $138,895-23.5% |
| Participation rate | 84.6% | 83.8%+0.9pp | 82.1%+2.6pp | 79.9%+4.7pp |
| Annual return | 17.94% | 78.75%-60.8pp | 70.43%-52.5pp | 145.39%-127.4pp |
| Employer contribution / active EE | $3,152 | $4,853-35.0% | $4,593-31.4% | $4,194-24.8% |
| Participant deferral / active EE | $12,233 | $8,237+48.5% | $7,906+54.7% | $6,396+91.3% |
| Admin fee / account holder | $5,090 | $14,976-66.0% | $13,708-62.9% | $12,562-59.5% |