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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 | $235,610 | $126,661+86.0% | $113,397+107.8% | $138,895+69.6% |
| Participation rate | 92.9% | 79.4%+13.4pp | 76.5%+16.4pp | 79.9%+12.9pp |
| Annual return | 16.47% | 25.05%-8.6pp | 23.20%-6.7pp | 145.39%-128.9pp |
| Employer contribution / active EE | $2,707 | $3,456-21.7% | $2,977-9.1% | $4,194-35.4% |
| Participant deferral / active EE | $9,105 | $5,693+59.9% | $5,076+79.4% | $6,396+42.4% |
| Admin fee / account holder | $1,944 | $14,549-86.6% | $11,957-83.7% | $12,562-84.5% |