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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 | $131,848 | $98,766+33.5% | $149,730-11.9% | $79,852+65.1% |
| Participation rate | 88.0% | 75.8%+12.2pp | 82.5%+5.5pp | 69.6%+18.4pp |
| Annual return | 14.60% | 27.43%-12.8pp | 276.70%-262.1pp | 31.72%-17.1pp |
| Employer contribution / active EE | $3,281 | $3,217+2.0% | $4,645-29.4% | $2,471+32.8% |
| Participant deferral / active EE | $9,764 | $5,681+71.9% | $6,843+42.7% | $3,740+161.0% |
| Admin fee / account holder | $8,992 | $6,052+48.6% | $9,310-3.4% | $5,306+69.5% |