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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 | $153,873 | $209,336-26.5% | $197,124-21.9% | $137,256+12.1% |
| Participation rate | 88.2% | 87.3%+0.9pp | 86.7%+1.5pp | 80.0%+8.3pp |
| Annual return | 15.74% | 48.09%-32.3pp | 44.34%-28.6pp | 220.34%-204.6pp |
| Employer contribution / active EE | $5,456 | $6,591-17.2% | $6,227-12.4% | $4,156+31.3% |
| Participant deferral / active EE | $15,608 | $9,614+62.3% | $9,135+70.9% | $6,407+143.6% |
| Admin fee / account holder | $1,129 | $17,308-93.5% | $16,298-93.1% | $12,270-90.8% |