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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 | $169,703 | $154,228+10.0% | $145,433+16.7% | $137,256+23.6% |
| Participation rate | 95.0% | 83.8%+11.2pp | 82.1%+12.9pp | 80.0%+15.0pp |
| Annual return | 16.97% | 74.59%-57.6pp | 66.58%-49.6pp | 220.34%-203.4pp |
| Employer contribution / active EE | $3,259 | $4,804-32.2% | $4,554-28.4% | $4,156-21.6% |
| Participant deferral / active EE | $4,665 | $8,216-43.2% | $7,897-40.9% | $6,407-27.2% |
| Admin fee / account holder | $17,832 | $14,344+24.3% | $13,129+35.8% | $12,270+45.3% |