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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 | $160,273 | $162,821-1.6% | $133,978+19.6% | $158,982+0.8% |
| Participation rate | 86.4% | 83.2%+3.1pp | 79.8%+6.5pp | 82.0%+4.4pp |
| Annual return | 11.20% | 41.95%-30.7pp | 45.10%-33.9pp | 302.99%-291.8pp |
| Employer contribution / active EE | $3,096 | $4,976-37.8% | $3,919-21.0% | $4,763-35.0% |
| Participant deferral / active EE | $7,004 | $5,910+18.5% | $5,047+38.8% | $5,983+17.0% |
| Admin fee / account holder | $83,240 | $11,742+608.9% | $8,930+832.1% | $11,252+639.8% |