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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 | $151,709 | $124,425+21.9% | $112,040+35.4% | $137,256+10.5% |
| Participation rate | 92.3% | 79.3%+13.0pp | 76.5%+15.8pp | 80.0%+12.3pp |
| Annual return | 13.95% | 24.72%-10.8pp | 24.52%-10.6pp | 220.34%-206.4pp |
| Employer contribution / active EE | $3,822 | $3,411+12.0% | $2,954+29.4% | $4,156-8.0% |
| Participant deferral / active EE | $11,286 | $5,718+97.4% | $5,098+121.4% | $6,407+76.2% |
| Admin fee / account holder | $2,973 | $15,207-80.5% | $12,098-75.4% | $12,270-75.8% |