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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 | $181,062-30.3% | $158,223-20.2% | $155,188-18.6% |
| Participation rate | 80.0% | 82.7%-2.7pp | 79.2%+0.8pp | 80.8%-0.8pp |
| Annual return | 15.32% | 57.39%-42.1pp | 52.09%-36.8pp | 148.84%-133.5pp |
| Employer contribution / active EE | $3,975 | $4,565-12.9% | $4,109-3.2% | $4,248-6.4% |
| Participant deferral / active EE | $8,464 | $6,134+38.0% | $5,467+54.8% | $6,531+29.6% |
| Admin fee / account holder | $1,677 | $18,825-91.1% | $16,047-89.5% | $14,480-88.4% |