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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 | $199,836 | $223,823-10.7% | $211,142-5.4% | $154,746+29.1% |
| Participation rate | 85.7% | 87.9%-2.1pp | 87.3%-1.6pp | 80.7%+5.0pp |
| Annual return | 17.00% | 50.39%-33.4pp | 46.84%-29.8pp | 172.34%-155.3pp |
| Employer contribution / active EE | $2,448 | $6,787-63.9% | $6,442-62.0% | $4,379-44.1% |
| Participant deferral / active EE | $8,531 | $9,750-12.5% | $9,284-8.1% | $6,730+26.8% |
| Admin fee / account holder | $3,881 | $19,707-80.3% | $19,076-79.7% | $14,365-73.0% |