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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 | $142,982 | $176,786-19.1% | $146,643-2.5% | $167,536-14.7% |
| Participation rate | 94.4% | 83.6%+10.8pp | 80.1%+14.4pp | 82.1%+12.3pp |
| Annual return | 18.50% | 24.04%-5.5pp | 22.75%-4.2pp | 478.82%-460.3pp |
| Employer contribution / active EE | $2,913 | $5,161-43.6% | $4,137-29.6% | $4,839-39.8% |
| Participant deferral / active EE | $8,297 | $6,440+28.8% | $5,506+50.7% | $6,342+30.8% |
| Admin fee / account holder | $10,106 | $13,262-23.8% | $10,280-1.7% | $12,315-17.9% |