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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 | $108,818 | $201,264-45.9% | $184,185-40.9% | $145,978-25.5% |
| Participation rate | 94.4% | 87.5%+6.9pp | 86.8%+7.6pp | 80.3%+14.2pp |
| Annual return | 18.02% | 29.00%-11.0pp | 28.81%-10.8pp | 550.52%-532.5pp |
| Employer contribution / active EE | $3,327 | $7,021-52.6% | $6,426-48.2% | $4,662-28.6% |
| Participant deferral / active EE | $16,500 | $9,806+68.3% | $9,132+80.7% | $6,690+146.7% |
| Admin fee / account holder | $659 | $16,376-96.0% | $13,909-95.3% | $13,400-95.1% |