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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 | $187,411 | $176,786+6.0% | $146,643+27.8% | $167,536+11.9% |
| Participation rate | 90.9% | 83.6%+7.3pp | 80.1%+10.8pp | 82.1%+8.8pp |
| Annual return | 17.99% | 24.04%-6.0pp | 22.75%-4.8pp | 478.82%-460.8pp |
| Employer contribution / active EE | $2,189 | $5,161-57.6% | $4,137-47.1% | $4,839-54.8% |
| Participant deferral / active EE | $7,901 | $6,440+22.7% | $5,506+43.5% | $6,342+24.6% |
| Admin fee / account holder | $1,095 | $13,262-91.7% | $10,280-89.3% | $12,315-91.1% |