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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 | $150,923 | $117,829+28.1% | $102,423+47.4% | $145,877+3.5% |
| Participation rate | 88.2% | 78.6%+9.6pp | 76.5%+11.7pp | 80.3%+7.9pp |
| Annual return | 16.61% | 31.83%-15.2pp | 29.42%-12.8pp | 551.28%-534.7pp |
| Employer contribution / active EE | $3,199 | $3,615-11.5% | $3,023+5.8% | $4,663-31.4% |
| Participant deferral / active EE | $6,961 | $5,732+21.4% | $5,054+37.7% | $6,691+4.0% |
| Admin fee / account holder | $2,985 | $13,335-77.6% | $9,455-68.4% | $13,402-77.7% |