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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 | $144,676 | $124,425+16.3% | $112,040+29.1% | $137,256+5.4% |
| Participation rate | 90.5% | 79.3%+11.2pp | 76.5%+14.0pp | 80.0%+10.5pp |
| Annual return | 16.32% | 24.72%-8.4pp | 24.52%-8.2pp | 220.34%-204.0pp |
| Employer contribution / active EE | $8,936 | $3,411+161.9% | $2,954+202.5% | $4,156+115.0% |
| Participant deferral / active EE | $5,587 | $5,718-2.3% | $5,098+9.6% | $6,407-12.8% |
| Admin fee / account holder | $1,802 | $15,207-88.2% | $12,098-85.1% | $12,270-85.3% |