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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 | $150,508 | $106,749+41.0% | $145,433+3.5% | $82,448+82.5% |
| Participation rate | 72.0% | 75.6%-3.6pp | 82.1%-10.1pp | 68.1%+3.9pp |
| Annual return | 15.37% | 27.59%-12.2pp | 66.58%-51.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $3,816 | $3,444+10.8% | $4,554-16.2% | $2,551+49.6% |
| Participant deferral / active EE | $8,022 | $6,519+23.1% | $7,897+1.6% | $4,139+93.8% |
| Admin fee / account holder | $9,021 | $8,390+7.5% | $13,129-31.3% | $7,234+24.7% |