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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 | $114,420 | $106,267+7.7% | $96,520+18.5% | $139,456-18.0% |
| Participation rate | 87.5% | 77.8%+9.7pp | 74.3%+13.2pp | 80.3%+7.2pp |
| Annual return | 15.69% | 38.45%-22.8pp | 35.72%-20.0pp | 373.45%-357.8pp |
| Employer contribution / active EE | $2,937 | $4,105-28.4% | $3,739-21.4% | $4,753-38.2% |
| Participant deferral / active EE | $6,347 | $5,454+16.4% | $4,879+30.1% | $6,711-5.4% |
| Admin fee / account holder | $4,050 | $7,882-48.6% | $6,733-39.8% | $11,407-64.5% |