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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 | $131,547 | $124,336+5.8% | $111,303+18.2% | $167,518-21.5% |
| Participation rate | 89.5% | 79.6%+9.8pp | 77.3%+12.2pp | 82.1%+7.4pp |
| Annual return | 20.44% | 37.45%-17.0pp | 54.66%-34.2pp | 478.71%-458.3pp |
| Employer contribution / active EE | $2,486 | $3,436-27.6% | $2,731-9.0% | $4,838-48.6% |
| Participant deferral / active EE | $1,776 | $5,181-65.7% | $4,487-60.4% | $6,342-72.0% |
| Admin fee / account holder | $2,657 | $10,623-75.0% | $7,966-66.6% | $12,312-78.4% |