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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 | $168,685 | $114,119+47.8% | $107,187+57.4% | $138,895+21.4% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 79.9%+7.6pp |
| Annual return | 15.24% | 273.21%-258.0pp | 204.55%-189.3pp | 145.39%-130.2pp |
| Employer contribution / active EE | $2,238 | $4,059-44.9% | $3,782-40.8% | $4,194-46.7% |
| Participant deferral / active EE | $5,501 | $5,538-0.7% | $5,096+7.9% | $6,396-14.0% |
| Admin fee / account holder | $1,064 | $10,024-89.4% | $9,162-88.4% | $12,562-91.5% |