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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 | $231,516 | $174,379+32.8% | $152,093+52.2% | $138,895+66.7% |
| Participation rate | 82.4% | 81.6%+0.7pp | 77.8%+4.6pp | 79.9%+2.4pp |
| Annual return | 12.86% | 74.86%-62.0pp | 66.36%-53.5pp | 145.39%-132.5pp |
| Employer contribution / active EE | $2,800 | $4,652-39.8% | $4,175-32.9% | $4,194-33.2% |
| Participant deferral / active EE | $8,355 | $6,159+35.7% | $5,451+53.3% | $6,396+30.6% |
| Admin fee / account holder | $4,544 | $16,880-73.1% | $14,497-68.7% | $12,562-63.8% |