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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 | $158,759 | $172,111-7.8% | $150,298+5.6% | $137,256+15.7% |
| Participation rate | 90.9% | 81.7%+9.2pp | 77.8%+13.1pp | 80.0%+10.9pp |
| Annual return | 17.90% | 69.37%-51.5pp | 62.79%-44.9pp | 220.34%-202.4pp |
| Employer contribution / active EE | $3,111 | $4,636-32.9% | $4,154-25.1% | $4,156-25.2% |
| Participant deferral / active EE | $9,202 | $6,166+49.2% | $5,453+68.8% | $6,407+43.6% |
| Admin fee / account holder | $4,849 | $16,471-70.6% | $14,116-65.6% | $12,270-60.5% |