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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 | $208,762 | $177,156+17.8% | $147,027+42.0% | $154,746+34.9% |
| Participation rate | 87.5% | 79.4%+8.1pp | 73.7%+13.8pp | 80.7%+6.8pp |
| Annual return | 11.72% | 21.94%-10.2pp | 20.23%-8.5pp | 172.34%-160.6pp |
| Employer contribution / active EE | $5,128 | $4,336+18.2% | $3,626+41.4% | $4,379+17.1% |
| Participant deferral / active EE | $10,129 | $5,797+74.7% | $4,933+105.3% | $6,730+50.5% |
| Admin fee / account holder | $5,232 | $14,904-64.9% | $12,223-57.2% | $14,365-63.6% |