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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 | $124,894 | $178,174-29.9% | $156,181-20.0% | $137,256-9.0% |
| Participation rate | 89.5% | 82.0%+7.4pp | 78.8%+10.6pp | 80.0%+9.5pp |
| Annual return | 16.62% | 84.19%-67.6pp | 64.87%-48.3pp | 220.34%-203.7pp |
| Employer contribution / active EE | $2,491 | $4,972-49.9% | $4,294-42.0% | $4,156-40.1% |
| Participant deferral / active EE | $7,856 | $6,888+14.0% | $6,132+28.1% | $6,407+22.6% |
| Admin fee / account holder | $1,683 | $17,404-90.3% | $14,586-88.5% | $12,270-86.3% |