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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 | $228,869 | $199,109+14.9% | $173,730+31.7% | $154,746+47.9% |
| Participation rate | 84.6% | 82.8%+1.8pp | 79.6%+5.0pp | 80.7%+3.9pp |
| Annual return | 14.41% | 20.02%-5.6pp | 19.96%-5.5pp | 172.34%-157.9pp |
| Employer contribution / active EE | $1,370 | $5,311-74.2% | $4,577-70.1% | $4,379-68.7% |
| Participant deferral / active EE | $2,953 | $7,113-58.5% | $6,326-53.3% | $6,730-56.1% |
| Admin fee / account holder | $6,455 | $20,916-69.1% | $17,523-63.2% | $14,365-55.1% |