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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 | $141,299 | $124,314+13.7% | $109,163+29.4% | $167,518-15.7% |
| Participation rate | 88.9% | 79.4%+9.4pp | 75.9%+13.0pp | 82.1%+6.8pp |
| Annual return | 21.87% | 26.04%-4.2pp | 25.75%-3.9pp | 478.71%-456.8pp |
| Employer contribution / active EE | $2,169 | $4,209-48.5% | $3,723-41.7% | $4,838-55.2% |
| Participant deferral / active EE | $5,066 | $5,256-3.6% | $4,654+8.9% | $6,342-20.1% |
| Admin fee / account holder | $4,280 | $7,973-46.3% | $6,754-36.6% | $12,312-65.2% |