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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 | $160,482 | $124,330+29.1% | $109,173+47.0% | $167,536-4.2% |
| Participation rate | 86.7% | 79.5%+7.2pp | 75.9%+10.8pp | 82.1%+4.6pp |
| Annual return | 14.94% | 26.04%-11.1pp | 25.75%-10.8pp | 478.82%-463.9pp |
| Employer contribution / active EE | $2,815 | $4,209-33.1% | $3,723-24.4% | $4,839-41.8% |
| Participant deferral / active EE | $4,928 | $5,256-6.2% | $4,654+5.9% | $6,342-22.3% |
| Admin fee / account holder | $1,658 | $7,974-79.2% | $6,755-75.5% | $12,315-86.5% |