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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 | $167,201 | $124,425+34.4% | $112,040+49.2% | $137,256+21.8% |
| Participation rate | 94.7% | 79.3%+15.4pp | 76.5%+18.2pp | 80.0%+14.8pp |
| Annual return | 15.90% | 24.72%-8.8pp | 24.52%-8.6pp | 220.34%-204.4pp |
| Employer contribution / active EE | $4,922 | $3,411+44.3% | $2,954+66.6% | $4,156+18.4% |
| Participant deferral / active EE | $5,017 | $5,718-12.3% | $5,098-1.6% | $6,407-21.7% |
| Admin fee / account holder | $939 | $15,207-93.8% | $12,098-92.2% | $12,270-92.3% |