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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 | $156,235 | $162,812-4.0% | $133,971+16.6% | $158,966-1.7% |
| Participation rate | 87.5% | 83.2%+4.3pp | 79.8%+7.7pp | 82.0%+5.5pp |
| Annual return | 21.56% | 41.94%-20.4pp | 45.09%-23.5pp | 302.95%-281.4pp |
| Employer contribution / active EE | $6,064 | $4,976+21.9% | $3,919+54.7% | $4,762+27.3% |
| Participant deferral / active EE | $11,050 | $5,910+87.0% | $5,047+118.9% | $5,983+84.7% |
| Admin fee / account holder | $5,092 | $11,741-56.6% | $8,929-43.0% | $11,250-54.7% |