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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 | $179,595 | $162,785+10.3% | $133,959+34.1% | $158,950+13.0% |
| Participation rate | 85.7% | 83.2%+2.5pp | 79.8%+5.9pp | 82.0%+3.8pp |
| Annual return | 18.90% | 41.94%-23.0pp | 45.09%-26.2pp | 302.91%-284.0pp |
| Employer contribution / active EE | $4,488 | $4,975-9.8% | $3,919+14.5% | $4,762-5.8% |
| Participant deferral / active EE | $8,541 | $5,910+44.5% | $5,047+69.2% | $5,983+42.8% |
| Admin fee / account holder | $1,445 | $11,738-87.7% | $8,928-83.8% | $11,248-87.2% |