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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 | $146,173 | $114,119+28.1% | $107,187+36.4% | $138,895+5.2% |
| Participation rate | 85.7% | 78.1%+7.6pp | 75.0%+10.7pp | 79.9%+5.8pp |
| Annual return | 15.22% | 273.21%-258.0pp | 204.55%-189.3pp | 145.39%-130.2pp |
| Employer contribution / active EE | $3,163 | $4,059-22.1% | $3,782-16.4% | $4,194-24.6% |
| Participant deferral / active EE | $6,891 | $5,538+24.4% | $5,096+35.2% | $6,396+7.7% |
| Admin fee / account holder | $1,134 | $10,024-88.7% | $9,162-87.6% | $12,562-91.0% |