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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 | $150,805 | $94,436+59.7% | $115,599+30.5% | $82,637+82.5% |
| Participation rate | 81.3% | 70.4%+10.8pp | 74.3%+7.0pp | 68.1%+13.2pp |
| Annual return | 28.36% | 18.37%+10.0pp | 111.10%-82.7pp | 53.51%-25.1pp |
| Employer contribution / active EE | $1,934 | $2,324-16.8% | $2,955-34.6% | $2,552-24.2% |
| Participant deferral / active EE | $4,690 | $3,955+18.6% | $4,889-4.1% | $4,126+13.7% |
| Admin fee / account holder | $12,069 | $10,328+16.9% | $12,841-6.0% | $7,339+64.5% |