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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 | $142,721 | $76,407+86.8% | $150,298-5.0% | $82,448+73.1% |
| Participation rate | 86.7% | 66.4%+20.3pp | 77.8%+8.9pp | 68.1%+18.6pp |
| Annual return | 17.33% | 39.99%-22.7pp | 62.79%-45.5pp | 41.64%-24.3pp |
| Employer contribution / active EE | $3,209 | $2,614+22.8% | $4,154-22.7% | $2,551+25.8% |
| Participant deferral / active EE | $6,571 | $3,214+104.4% | $5,453+20.5% | $4,139+58.8% |
| Admin fee / account holder | $7,404 | $6,352+16.6% | $14,116-47.5% | $7,234+2.4% |