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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 | $116,806 | $165,361-29.4% | $149,715-22.0% | $158,950-26.5% |
| Participation rate | 87.5% | 84.6%+2.9pp | 82.5%+5.0pp | 82.0%+5.5pp |
| Annual return | 17.90% | 348.24%-330.3pp | 276.66%-258.8pp | 302.91%-285.0pp |
| Employer contribution / active EE | $3,582 | $5,103-29.8% | $4,645-22.9% | $4,762-24.8% |
| Participant deferral / active EE | $8,197 | $7,182+14.1% | $6,842+19.8% | $5,983+37.0% |
| Admin fee / account holder | $5,381 | $10,808-50.2% | $9,310-42.2% | $11,248-52.2% |