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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 | $183,171 | $185,312-1.2% | $161,489+13.4% | $154,746+18.4% |
| Participation rate | 93.8% | 82.5%+11.3pp | 78.7%+15.1pp | 80.7%+13.0pp |
| Annual return | 16.31% | 103.84%-87.5pp | 89.72%-73.4pp | 172.34%-156.0pp |
| Employer contribution / active EE | $2,482 | $4,769-48.0% | $4,268-41.9% | $4,379-43.3% |
| Participant deferral / active EE | $5,937 | $6,350-6.5% | $5,630+5.5% | $6,730-11.8% |
| Admin fee / account holder | $974 | $18,654-94.8% | $16,006-93.9% | $14,365-93.2% |