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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 | $117,355 | $156,398-25.0% | $147,318-20.3% | $138,895-15.5% |
| Participation rate | 84.6% | 83.8%+0.9pp | 82.1%+2.6pp | 79.9%+4.7pp |
| Annual return | 16.71% | 78.75%-62.0pp | 70.43%-53.7pp | 145.39%-128.7pp |
| Employer contribution / active EE | $3,015 | $4,853-37.9% | $4,593-34.4% | $4,194-28.1% |
| Participant deferral / active EE | $7,609 | $8,237-7.6% | $7,906-3.8% | $6,396+19.0% |
| Admin fee / account holder | $437 | $14,976-97.1% | $13,708-96.8% | $12,562-96.5% |