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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 | $147,352 | $115,225+27.9% | $100,712+46.3% | $138,895+6.1% |
| Participation rate | 93.8% | 74.3%+19.4pp | 69.3%+24.5pp | 79.9%+13.8pp |
| Annual return | 13.86% | 40.35%-26.5pp | 33.27%-19.4pp | 145.39%-131.5pp |
| Employer contribution / active EE | $2,514 | $2,771-9.3% | $2,313+8.7% | $4,194-40.1% |
| Participant deferral / active EE | $5,501 | $4,699+17.1% | $4,085+34.6% | $6,396-14.0% |
| Admin fee / account holder | $3,075 | $10,844-71.6% | $9,256-66.8% | $12,562-75.5% |