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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 | $165,095 | $123,155+34.1% | $108,753+51.8% | $155,188+6.4% |
| Participation rate | 88.9% | 75.6%+13.3pp | 71.1%+17.8pp | 80.8%+8.1pp |
| Annual return | 14.14% | 44.73%-30.6pp | 37.47%-23.3pp | 148.84%-134.7pp |
| Employer contribution / active EE | $3,144 | $2,811+11.8% | $2,427+29.6% | $4,248-26.0% |
| Participant deferral / active EE | $3,385 | $4,623-26.8% | $4,115-17.7% | $6,531-48.2% |
| Admin fee / account holder | $9,240 | $12,126-23.8% | $10,320-10.5% | $14,480-36.2% |