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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 | $136,860+22.2% | $120,344+38.9% | $154,746+8.0% |
| Participation rate | 94.7% | 79.9%+14.8pp | 76.7%+18.0pp | 80.7%+14.0pp |
| Annual return | 15.90% | 21.38%-5.5pp | 20.30%-4.4pp | 172.34%-156.4pp |
| Employer contribution / active EE | $4,922 | $3,533+39.3% | $3,020+63.0% | $4,379+12.4% |
| Participant deferral / active EE | $5,017 | $5,793-13.4% | $5,135-2.3% | $6,730-25.5% |
| Admin fee / account holder | $939 | $15,393-93.9% | $12,742-92.6% | $14,365-93.5% |