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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 | $182,544 | $197,603-7.6% | $177,827+2.7% | $158,950+14.8% |
| Participation rate | 93.3% | 88.5%+4.8pp | 87.7%+5.6pp | 82.0%+11.4pp |
| Annual return | 22.35% | 58.76%-36.4pp | 48.32%-26.0pp | 302.91%-280.6pp |
| Employer contribution / active EE | $3,552 | $6,698-47.0% | $5,918-40.0% | $4,762-25.4% |
| Participant deferral / active EE | $10,887 | $8,404+29.5% | $7,713+41.1% | $5,983+82.0% |
| Admin fee / account holder | $877 | $15,402-94.3% | $12,429-92.9% | $11,248-92.2% |