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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 | $149,071 | $102,828+45.0% | $105,387+41.5% | $152,909-2.5% |
| Participation rate | 85.7% | 83.8%+2.0pp | 82.6%+3.1pp | 82.5%+3.3pp |
| Annual return | 19.39% | 20.85%-1.5pp | 26.82%-7.4pp | 345.46%-326.1pp |
| Employer contribution / active EE | $2,656 | $4,473-40.6% | $4,213-37.0% | $4,764-44.2% |
| Participant deferral / active EE | $4,680 | $5,465-14.4% | $5,502-14.9% | $5,851-20.0% |
| Admin fee / account holder | $11,725 | $8,683+35.0% | $6,559+78.8% | $11,601+1.1% |