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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 | $167,194 | $165,381+1.1% | $149,730+11.7% | $158,966+5.2% |
| Participation rate | 94.1% | 84.6%+9.5pp | 82.5%+11.6pp | 82.0%+12.2pp |
| Annual return | 15.71% | 348.29%-332.6pp | 276.70%-261.0pp | 302.95%-287.2pp |
| Employer contribution / active EE | $3,044 | $5,104-40.4% | $4,645-34.5% | $4,762-36.1% |
| Participant deferral / active EE | $8,396 | $7,182+16.9% | $6,843+22.7% | $5,983+40.3% |
| Admin fee / account holder | $3,350 | $10,809-69.0% | $9,310-64.0% | $11,250-70.2% |