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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 | $163,604 | $162,821+0.5% | $133,978+22.1% | $158,982+2.9% |
| Participation rate | 84.6% | 83.2%+1.4pp | 79.8%+4.8pp | 82.0%+2.6pp |
| Annual return | 16.08% | 41.95%-25.9pp | 45.10%-29.0pp | 302.99%-286.9pp |
| Employer contribution / active EE | $2,910 | $4,976-41.5% | $3,919-25.7% | $4,763-38.9% |
| Participant deferral / active EE | $5,321 | $5,910-10.0% | $5,047+5.4% | $5,983-11.1% |
| Admin fee / account holder | $12,604 | $11,742+7.3% | $8,930+41.1% | $11,252+12.0% |