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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 | $222,994 | $185,312+20.3% | $161,489+38.1% | $154,746+44.1% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 17.74% | 103.84%-86.1pp | 89.72%-72.0pp | 172.34%-154.6pp |
| Employer contribution / active EE | $1,436 | $4,769-69.9% | $4,268-66.4% | $4,379-67.2% |
| Participant deferral / active EE | $5,902 | $6,350-7.1% | $5,630+4.8% | $6,730-12.3% |
| Admin fee / account holder | $1,202 | $18,654-93.6% | $16,006-92.5% | $14,365-91.6% |