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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 | $227,620 | $228,395-0.3% | $185,861+22.5% | $158,982+43.2% |
| Participation rate | 84.2% | 82.3%+1.9pp | 78.0%+6.2pp | 82.0%+2.2pp |
| Annual return | 14.70% | 40.82%-26.1pp | 35.96%-21.3pp | 302.99%-288.3pp |
| Employer contribution / active EE | $3,201 | $4,968-35.6% | $4,088-21.7% | $4,763-32.8% |
| Participant deferral / active EE | $6,520 | $6,417+1.6% | $5,634+15.7% | $5,983+9.0% |
| Admin fee / account holder | $1,885 | $11,869-84.1% | $9,503-80.2% | $11,252-83.2% |