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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 | $136,482 | $156,398-12.7% | $147,318-7.4% | $138,895-1.7% |
| Participation rate | 70.6% | 83.8%-13.2pp | 82.1%-11.5pp | 79.9%-9.3pp |
| Annual return | 14.27% | 78.75%-64.5pp | 70.43%-56.2pp | 145.39%-131.1pp |
| Employer contribution / active EE | $3,139 | $4,853-35.3% | $4,593-31.7% | $4,194-25.2% |
| Participant deferral / active EE | $7,492 | $8,237-9.0% | $7,906-5.2% | $6,396+17.1% |
| Admin fee / account holder | $13,338 | $14,976-10.9% | $13,708-2.7% | $12,562+6.2% |