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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 | $128,393 | $156,398-17.9% | $147,318-12.8% | $138,895-7.6% |
| Participation rate | 80.0% | 83.8%-3.8pp | 82.1%-2.1pp | 79.9%+0.1pp |
| Annual return | 13.57% | 78.75%-65.2pp | 70.43%-56.9pp | 145.39%-131.8pp |
| Employer contribution / active EE | $3,327 | $4,853-31.5% | $4,593-27.6% | $4,194-20.7% |
| Participant deferral / active EE | $6,467 | $8,237-21.5% | $7,906-18.2% | $6,396+1.1% |
| Admin fee / account holder | $11,484 | $14,976-23.3% | $13,708-16.2% | $12,562-8.6% |