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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 | $164,552 | $154,228+6.7% | $145,433+13.1% | $137,256+19.9% |
| Participation rate | 88.2% | 83.8%+4.4pp | 82.1%+6.1pp | 80.0%+8.3pp |
| Annual return | 20.70% | 74.59%-53.9pp | 66.58%-45.9pp | 220.34%-199.6pp |
| Employer contribution / active EE | $2,343 | $4,804-51.2% | $4,554-48.6% | $4,156-43.6% |
| Participant deferral / active EE | $7,671 | $8,216-6.6% | $7,897-2.9% | $6,407+19.7% |
| Admin fee / account holder | $3,318 | $14,344-76.9% | $13,129-74.7% | $12,270-73.0% |