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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 | $153,461 | $98,776+55.4% | $149,745+2.5% | $79,856+92.2% |
| Participation rate | 83.1% | 75.8%+7.3pp | 82.5%+0.6pp | 69.6%+13.4pp |
| Annual return | 21.86% | 27.38%-5.5pp | 276.72%-254.9pp | 31.71%-9.9pp |
| Employer contribution / active EE | $3,773 | $3,217+17.3% | $4,646-18.8% | $2,471+52.7% |
| Participant deferral / active EE | $8,721 | $5,681+53.5% | $6,843+27.4% | $3,741+133.1% |
| Admin fee / account holder | $5,970 | $6,053-1.4% | $9,312-35.9% | $5,306+12.5% |