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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 | $160,428 | $124,330+29.0% | $109,173+46.9% | $167,536-4.2% |
| Participation rate | 95.0% | 79.5%+15.5pp | 75.9%+19.1pp | 82.1%+12.9pp |
| Annual return | 11.86% | 26.04%-14.2pp | 25.75%-13.9pp | 478.82%-467.0pp |
| Employer contribution / active EE | $2,139 | $4,209-49.2% | $3,723-42.5% | $4,839-55.8% |
| Participant deferral / active EE | $5,827 | $5,256+10.9% | $4,654+25.2% | $6,342-8.1% |
| Admin fee / account holder | $2,875 | $7,974-63.9% | $6,755-57.4% | $12,315-76.7% |