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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 | $122,377 | $93,586+30.8% | $135,925-10.0% | $75,173+62.8% |
| Participation rate | 92.0% | 75.2%+16.8pp | 81.9%+10.1pp | 67.2%+24.8pp |
| Annual return | 17.37% | 30.90%-13.5pp | 68.25%-50.9pp | 160.65%-143.3pp |
| Employer contribution / active EE | $1,917 | $3,537-45.8% | $4,857-60.5% | $2,670-28.2% |
| Participant deferral / active EE | $16,862 | $6,405+163.3% | $7,759+117.3% | $4,126+308.7% |
| Admin fee / account holder | $9,852 | $6,977+41.2% | $10,764-8.5% | $5,651+74.3% |