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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 | $177,423 | $78,690+125.5% | $161,489+9.9% | $87,485+102.8% |
| Participation rate | 92.3% | 67.5%+24.8pp | 78.7%+13.6pp | 68.9%+23.4pp |
| Annual return | 14.65% | 32.74%-18.1pp | 89.72%-75.1pp | 26.06%-11.4pp |
| Employer contribution / active EE | $3,345 | $2,588+29.2% | $4,268-21.6% | $2,596+28.8% |
| Participant deferral / active EE | $5,161 | $3,311+55.9% | $5,630-8.3% | $4,274+20.8% |
| Admin fee / account holder | $7,130 | $6,724+6.0% | $16,006-55.5% | $7,775-8.3% |