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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 | $165,438 | $136,860+20.9% | $120,344+37.5% | $154,746+6.9% |
| Participation rate | 92.9% | 79.9%+13.0pp | 76.7%+16.1pp | 80.7%+12.2pp |
| Annual return | 14.22% | 21.38%-7.2pp | 20.30%-6.1pp | 172.34%-158.1pp |
| Employer contribution / active EE | $2,689 | $3,533-23.9% | $3,020-11.0% | $4,379-38.6% |
| Participant deferral / active EE | $14,523 | $5,793+150.7% | $5,135+182.8% | $6,730+115.8% |
| Admin fee / account holder | $35,197 | $15,393+128.7% | $12,742+176.2% | $14,365+145.0% |