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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 | $126,754 | $154,228-17.8% | $145,433-12.8% | $137,256-7.7% |
| Participation rate | 83.3% | 83.8%-0.5pp | 82.1%+1.2pp | 80.0%+3.4pp |
| Annual return | 21.81% | 74.59%-52.8pp | 66.58%-44.8pp | 220.34%-198.5pp |
| Employer contribution / active EE | $3,474 | $4,804-27.7% | $4,554-23.7% | $4,156-16.4% |
| Participant deferral / active EE | $9,052 | $8,216+10.2% | $7,897+14.6% | $6,407+41.3% |
| Admin fee / account holder | $1,024 | $14,344-92.9% | $13,129-92.2% | $12,270-91.7% |