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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 | $165,985 | $98,776+68.0% | $149,745+10.8% | $79,856+107.9% |
| Participation rate | 96.0% | 75.8%+20.2pp | 82.5%+13.5pp | 69.6%+26.4pp |
| Annual return | 13.35% | 27.38%-14.0pp | 276.72%-263.4pp | 31.71%-18.4pp |
| Employer contribution / active EE | $3,746 | $3,217+16.4% | $4,646-19.4% | $2,471+51.6% |
| Participant deferral / active EE | $8,681 | $5,681+52.8% | $6,843+26.9% | $3,741+132.1% |
| Admin fee / account holder | $1,277 | $6,053-78.9% | $9,312-86.3% | $5,306-75.9% |