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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 | $126,272 | $185,312-31.9% | $161,489-21.8% | $154,746-18.4% |
| Participation rate | 80.0% | 82.5%-2.5pp | 78.7%+1.3pp | 80.7%-0.7pp |
| Annual return | 15.32% | 103.84%-88.5pp | 89.72%-74.4pp | 172.34%-157.0pp |
| Employer contribution / active EE | $3,975 | $4,769-16.6% | $4,268-6.9% | $4,379-9.2% |
| Participant deferral / active EE | $8,464 | $6,350+33.3% | $5,630+50.3% | $6,730+25.8% |
| Admin fee / account holder | $1,677 | $18,654-91.0% | $16,006-89.5% | $14,365-88.3% |