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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 | $176,565 | $185,312-4.7% | $161,489+9.3% | $154,746+14.1% |
| Participation rate | 94.1% | 82.5%+11.7pp | 78.7%+15.4pp | 80.7%+13.4pp |
| Annual return | 13.17% | 103.84%-90.7pp | 89.72%-76.5pp | 172.34%-159.2pp |
| Employer contribution / active EE | $2,225 | $4,769-53.3% | $4,268-47.9% | $4,379-49.2% |
| Participant deferral / active EE | $5,946 | $6,350-6.4% | $5,630+5.6% | $6,730-11.7% |
| Admin fee / account holder | $9,453 | $18,654-49.3% | $16,006-40.9% | $14,365-34.2% |